Medicare for You: What You Need to Know

Your health is essential, and protecting it should be a priority. If you’re 65 or older, have certain disabilities, or suffer from End-Stage Renal Disease, the Medicare program provides health care coverage to help you achieve and maintain good health.

Understanding Medicare Coverage Options

1. Traditional or Original Medicare (Part A and Part B):
   1. Covers inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.
   2. Includes services from doctors and other health care providers, outpatient care, and preventive services.
   3. You can go to any doctor or hospital in the United States that accepts Medicare.
   4. Consider supplementing with a Medicare Supplement Insurance (Medigap) policy to cover remaining costs like copayments, coinsurance, and deductibles.
2. Medicare Advantage (Part C):
   1. Bundles Original Medicare and often includes Medicare prescription drug coverage.
   2. Offered by Medicare-approved private companies.
   3. Each plan may have different rules, such as referrals to specialists.
   4. Costs vary based on the plan you choose.
   5. Some plans offer extra benefits like vision, hearing, and dental services.

Prescription Drug Coverage (Part D)

Whether you opt for Original Medicare or Medicare Advantage, ensure you have prescription drug coverage. You can:

• Join a Medicare Prescription Drug Plan (PDP) alongside Original Medicare.
• Get it through a Medicare Advantage plan with prescription drug coverage.

Stay Informed

We are available to answer any questions and provide information about the difference between Original Medicare and Medicare Advantage. Give us a call at Kempel Agency MEDICARE SOLUTIONS today at (815) 801-7010. We are here to Make Medicare Easy for you!

Remember, having Medicare means you’re getting the health care coverage you need to stay safe and healthy.