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What is Medicare?

Medicare provides national health insurance for people age 65 years and older, and to select individuals with disabilities or specific medical conditions. Some health services are available at no cost while other options may carry a deductible or monthly cost.

What does Medicare cover?

Medicare is actually made up of four different types of coverage: Part A, Part B, Part C and Part D.

Part A

Medicare Part A helps cover inpatient care in hospitals, care in skilled nursing facilities, hospice care and some home health care. It’s available at no cost for most people.

Part B

Medicare Part B helps pay for doctors (both in and out of the hospital), durable medical equipment and some medical services that are not covered by Part A. If you receive Social Security benefits, the Part B premium is usually deducted from your monthly check.

Part C

Part C is a Medicare Advantage plan, which includes Parts A and B plus additional benefits – many Medicare Advantage plans feature prescription drug coverage (including many HAP Medicare Advantage plans).

Part D

Medicare Part D helps pay for prescription drug coverage.

How much does Medicare cost?

Depending on the Medicare choices you make, your premium may be as little as $0 or as much as hundreds of dollars per month. With Medicare coverage, some health care services are covered in full while others have out-of-pocket costs.

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