Medicare Quote Forms
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Medicare is a federally funded health insurance program available for certain individuals. It is designed to help contain health care costs as you age. Navigating the complexities of Medicare and Medicare enrollment can be difficult, but it doesn’t have to be. Schuder Insurance Agency is here to help you with your Medicare needs. Contact us today to get started.
What Is Medicare?
The Medicare program was established in 1965 to provide payroll tax-funded health insurance to senior citizens and others who have significant health needs and who often don’t have access to private insurance. Today, it is designed to provide individuals who are 65 or older, have certain disabilities, or have end-stage renal disease, with federal health insurance.
What are the Different Parts of Medicare?
There are different parts of Medicare that are designed to cover different types of coverage. Medicare’s primary benefits—Original Medicare—consist of two types of coverage:
- Medicare Part A (Hospital Coverage): This coverage pays for hospital services. It might pay for inpatient hospitalizations, surgeries, IV treatments and similar care.
- Medicare Part B (Medical Insurance): For your everyday health care needs, you will need Part B coverage. This part of Original Medicare pays for regular checkups, lab services, X-rays, vaccinations and other outpatient costs.
These benefits remain consistent for all Medicare beneficiaries, and are supported primarily by the federal government and payroll taxes.
However, because everyone’s health care needs are different, private insurers offer enhanced, Medicare-approved benefits that are designed to fill gaps in coverage left by Original Medicare.
- Medicare Part C (Medicare Advantage): Advantage plans must offer all the benefits of Part A & Part B coverage (with limited exceptions). However, they take your coverage a step further by offering expanded benefits like prescription drug coverage, dental insurance and vision care.
- Medicare Part D (Medicare Prescription Drug Benefits): Original Medicare participants who do not have Medicare Advantage can buy Part D coverage to get their prescription drug insurance. Part D plans offer various drug formularies, premiums and pharmacy networks.
- Medicare Supplementals (Medigap Plans): Medicare supplements are private plans designed to cover outstanding costs not insured by Original Medicare, such as copayments, deductibles, coinsurance and the costs of out-of-network care.
How to Get Covered With Medicare
At Schuder Insurance Agency, we can help you navigate all of the complexities associated with Medicare, including determining eligibility and enrolling in coverage. Contact us today to get started.