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What is Medicare?
Do you have questions?
We have answers!
We Care For Medicare.
We care for you!
Medicare is a national United States health insurance program for people 65 and older. It also applies to people with certain disabilities. Medicare is divided into different Parts. Let us help you understand how they work together.
Medicare Part A
(Hospital)
Part A is hospital insurance that assists you with the cost of inpatient care and skilled nursing facility stays. It also helps with things like hospice and home health care. In general, you should think of the inpatient hospital benefit as Medicare coverage for your semi-private room.
However, Part A does NOT cover all of the treatments that might occur in a hospital or clinical setting, such as outpatient surgeries. Those could fall under Part B.
Medicare Part B
(Doctor)
Part B is your outpatient medical coverage. It covers your doctor's visits. This includes visits while in the hospital. It also includes medical coverage for lab work, preventative services, ambulance services, and outpatient surgeries. You need Part B to cover these costs.
In addition, Part B covers cancer therapy and kidney dialysis, which can be extremely expensive charges if not covered.
Medicare Part C
(Medicare Advantage)
Part C refers to the Medicare Advantage program, which is private insurance. The cost of Advantage plans varies. The premium is set by the carrier, your county of residence, and the plan selected.
To enroll in a Part C plan, you must first be enrolled in both Parts A and B. Part C is voluntary.
Once you enroll, your Medicare coverage will come from the Advantage plan itself, not from the government.
Medicare Part D
(Drug)
Part D is coverage for retail prescription drugs that come from a retail pharmacy. Part D is a voluntary program that allows you to access medications at a more affordable rate. It also provides insurance against catastrophic drug costs.
To enroll in Part D, you will choose a Medicare Part D plan offered by a private insurance company in your state.
Frequently Asked Questions
Is Care for Healthcare licensed?
Yes, we are licensed to offer insurance products in most states. We are licensed, trained, and are required to undergo annual certification to help you select the best Medicare plan possible for your needs and your budget.
Is Care For Healthcare affiliated with any insurance companies?
No, we are not affiliated with any insurance companies. We are insurance brokers for all the major Medicare companies. We work for you to find the best price and plan based on your budget and healthcare needs.
Is it more expensive to buy insurance through Care For Healthcare?
No. Any Medicare plan that Care for Healthcare enrolls you in will cost the same with or without our help. Our mission is to find you the best Medicare plan possible for your budget and your healthcare needs.
How does Care For Healthcare make money?
Our education services are completely FREE to you. We help people find the best Medicare plan for them. We will always give you an unbiased opinion. In order for us to operate, insurance companies pay us to continue providing Medicare education and guidance.
Why should we choose Care For Healthcare for our medicare needs?
We are here for you now and in the future. We will not only help you find the right plan for you, but will help you each year at enrollment time. We will make sure you are in the right plan year after year. We are always here for you.
Is Care for Healthcare biased to certain insurance companies?
No. Although insurance companies compensate us for the Medicare education and guidance we provide, we are impartial to any particular plan or carrier. We are paid the same regardless of which plan you choose to enroll in.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Medicare has neither reviewed nor endorsed this information. We are not connected with or endorsed by the United States government or the federal Medicare program.