Give Us A Call (912) 238 4500
Medicare is a federal health insurance program in the United States designed primarily for individuals aged 65 and older, though it also covers certain younger people with disabilities and those with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Established in 1965, Medicare provides essential healthcare coverage to millions of Americans, helping to reduce the financial burden of medical expenses during retirement or periods of disability.
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes while working.
Covers outpatient care, doctor visits, preventive services, and medical supplies. Part B requires a monthly premium, which is typically deducted from your Social Security benefits.
Offered by private insurance companies approved by Medicare, Part C combines Parts A and B and often includes additional benefits like vision, dental, and prescription drug coverage. These plans may have different costs and rules compared to Original Medicare.
Provides coverage for prescription medications. Part D plans are offered by private insurers and help reduce the cost of medications, which can be a significant expense for many seniors.
Medigap is a type of private health insurance designed to work alongside Original Medicare (Parts A and B) to help cover out-of-pocket costs that Medicare doesn’t fully pay for. These costs can include deductibles, copayments, and coinsurance, which can add up quickly, especially for those with frequent medical needs. Medigap policies are standardized and labeled by letters (such as Plan A, Plan B, Plan G, etc.), each offering a different level of coverage to suit varying needs and budgets.