Medicare Insurance Plans Near Me

What Is Medicare and Who Qualifies?

Medicare is a federal health insurance program primarily for people aged 65 or older. It also covers younger individuals with certain disabilities or end-stage renal disease. Eligibility is based on age, residency, and work history, and most people qualify automatically when they turn 65.

Medicare Part A: Hospital Coverage

Part A helps cover inpatient hospital care, skilled nursing facility care, hospice, and some home health services. For most people, Part A comes without a monthly premium, but it does include deductibles and coinsurance for extended stays or services.

Medicare Part B: Medical Services

Part B covers outpatient care like doctor visits, lab tests, preventive services, and some home health care. It requires a monthly premium and annual deductible. Many people pair Part A and Part B, known as Original Medicare, to get broad basic coverage.

Medicare Advantage (Part C) Plans

Medicare Advantage plans are offered by private insurers and include everything covered under Part A and B, plus extras like dental, vision, hearing, and wellness benefits. Some also include prescription drug coverage and have low or no premiums.

Medicare Part D: Prescription Drug Coverage

Part D is optional coverage for prescription drugs, available through private insurance companies. Plans vary by region and drug list, so it’s important to compare options based on your medication needs and preferred pharmacies.

How to Choose the Right Medicare Plan

Choosing a plan depends on your health needs, preferred doctors, budget, and whether you need extras like drug coverage. Comparing Medicare Advantage, Original Medicare, and Medigap options helps you find the most cost-effective and comprehensive solution.