Please do use the Contact Us section if you have a question, we have a staff member who is an expert on Medicare, and will be happy to answer your question.

When is one eligible for Medicare?

  • Once you reach 65, you become eligible for Medicare.  If you have earned wages for 10 years in the workforce, you and your employer have contributed to Medicare each week, a deduction from your paycheck, and you are therefore, qualified.  Or, if you are self-employed, you undoubtedly paid into this type of tax as well and, therefore are qualified.

What is Part A and Part B of Medicare?

  • Medicare covers 80% of hospital and medical bills which is known as Part A and Part B, respectively.  Part A and Part B is also known as Original Medicare.  Part A is for hospital, skilled nursing facility, home health and hospice care.  Part B is doctors’ services, preventice care, durable medical equipment, hospital outpatient services, laboratory tests, x-rays, mental health care, and a few home health and ambulance services.

What is Part D of Medicare?

  • Medicare Part D is prescription drug coverage.  You do not have the option of receiving Part D directly from the government such as with Part A and Part B; but, through insurance companies that have contracts with the government.  So, you will either obtain Part D in a stand alone plan if you choose the Original Medicare route or as part of a Medicare Advantage Plan.  Its yearly limit for 2016 is $3,310; however, if you fall into the coverage gap and then, come out of the coverage gap within the same year, Medicare will cover your prescriptions again for the rest of the year.

What is Part C of Medicare?

  • Medicare Part C can be confusing and it may not seem like any type of benefit.  If you opt to enroll in a Medicare Advantage Plan as opposed to keeping Original Medicare, this is considered Part C.  It will be with an insurance company that has contracted with the government to be allowed to sell Medicare Insurance Plans.  They receive the monthly premium that has been deducted from your social security check along with an extra percentage.  They must offer at least the same benefits as Original Medicare and most have Part D as a part of their Medicare Advantage Plan.
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