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Medicare Insurance

Medicare Parts A & B

Medicare is a federal health insurance program for people 65 or older, some people under 65 with disabilities, and people with end-stage renal disease or Lou Gehrig’s disease. If you are on Medicare, it will pay for much—but not all—of your health care.

  • Medicare Part A (Hospital) pays for in-patient hospital services, skilled nursing facility care after a hospital stay, home health care, and hospice care. Medicare Part A also pays for all but the first three pints of blood each calendar year.

  • Medicare Part B (Medical) pays for medical expenses, clinical laboratory services, and outpatient hospital treatment. In most cases, Medicare pays 80 percent of the Medicare-approved cost of covered services. Covered medical expenses include physicians’ services and supplies. Some Medicare Part B services are paid as a fixed co-payment under the outpatient prospective payment system. Medicare also pays for some preventive health services. Ask your physician about screening tests, flu shots, and vaccines covered by Medicare.

Medicare Part C (Medicare Advantage Plans)

Medicare Advantage Plans are private Medicare approved health plans for those individuals eligible for Medicare. When you join a Medicare Advantage Plan, you are still covered under Medicare. These plans provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage and must cover medically necessary services. They generally offer additional benefits, and many include Part D Prescription Drug coverage. These plans often have networks, which means you may have to see the plan's doctors and go to certain hospitals to receive medical care.

Plan options can include:

  • Preferred Provider Organization (PPO)
  • Health Maintenance Organization (HMO)
  • Private Fee-For-Service (PFFS)
  • Special Needs Plans (SNP)
  • Medical Savings Account (MSA)

You can generally join if:

  • You live in the plan's service area
  • You have Medicare Part A and Part B coverage
  • You don't have End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)

Medicare Part D (Prescription Drug Coverage)

Medicare Part D pays for generic and brand name prescription drugs. You can receive prescription drug coverage by joining a stand-alone prescription drug plan that adds the coverage to a Medicare plan or by purchasing a Medicare Advantage plan that includes the coverage. Only private insurance companies approved by Medicare can offer the coverage.

We are licensed Medicare Insurance brokers in New Jersey, Pennsylvania, and Virginia. Call us at 877-399-7077 or have a broker contact you to discuss your Medicare Insurance needs and objectives.

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