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Texas Medicare

Most people understand that Medicare is the federal system of health insurance for people 65 or older and people with certain disabilities. After this, the details can start to be a bit more complicated.
One of the most common request for help is to help explain the difference parts of Medicare and how and where the supplemental insurance comes in.

The different parts of Medicare can be a little confusing:

ORIGINAL COVERAGE

Traditional Medicare

  • Medicare Part A – Hospital Insurance
  • Aids in covering your inpatient hospital care
  • Aids in covering skilled nursing facility, hospice, as well as home health care
  • Provides some partial coverage of Medicare approved cost

Medicare Part B

Medical Insurance

  • Aids in covering doctors’ services, hospital outpatient care, and home health care
  • Aids in covering some preventive services to help maintain health and keep certain illnesses from getting worse
  • Aids in covering some of the durable medical equipment costs
  • Normally covers 80% of the Medicare cost that’s been approved

DRUG COVERAGE

Medicare Part D – Medicare Prescription Drug Coverage

  • A prescription drug option run by Medicare-approved private insurance companies
  • Aids in covering the cost of prescription drugs
  • Can or may help lower your prescription drug costs and help protect against higher costs in the future
  • To enroll in Part D, you need Part A and Part B coverage

ADDITIONAL COVERAGE

Medicare Supplement Insurance

Medigap

  • Insurance plans run by Medicare-approved private insurance companies
  • Insurance sold to fill “gaps” in Part A and Part B coverage
  • Helps cover deductibles, co-payments and coinsurance
  • The right plan will help lower your total out of pocket costs and overall spending on health care
  • You need Part A and Part B coverage to enroll in a Medicare Supplement Insurance plan

Medicare Part C

Medicare Advantage

  • Privately run Medicare-approved insurance companies Health Plans
  • Include Part A and Part B
  • Could cover other coverage, example; Part D prescription drug coverage costs
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