Medicare is health insurance for people age 65 or older, under 65 with certain disabilities, and of any age with End-Stage Renal Disease (ESRD is permanent kidney failure requiring dialysis or a kidney transplant.) The different parts of Medicare help cover specific services if one meets certain conditions.
There are four parts to the Medicare system:
- Part A: Hospital Insurance which covers skilled nursing care at a facility or in a home and inpatient care
- Part B: Medical Insurance which covers doctor services and outpatient care
- Part C: Medicare Advantage Plan which is available through some employers (similar to an HMO)
- Part D: Prescription Drug Coverage which helps cover the cost of drugs
We help navigate and advocate in a system that is already complex and becoming more so every day.