The Medicare program is made up of several “parts” that offer various benefits, including hospital insurance (Part A), medical insurance for outpatient and physician services (Part B), and prescription drug coverage (Part D).
Parts A and B together are called Original Medicare, which is run by the federal government.
You also have the option of enrolling into a Medicare Advantage Plan (Part C), which wraps Part A and Part B—and usually Part D—into one plan and is offered by private insurers.
If you prefer to not enroll into a Medicare Advantage Plan you have the option to purchase a Medigap plan. Medigap plans (or commonly called Medicare Supplement plans) will pay various out-of-pocket costs you’d otherwise face with only having original Medicare.
Details of coverage, eligibility, and plan changes can be confusing especially if you’re just turning 65 (or almost 65). Don’t worry – we’re here to answer your questions. Below is a infographic to help you understand each part. Call us toll free at (866) 235-8378 or click here to email us your name and phone number for us to call you.
Ohio Health Benefits also offers Medicare & Muffins, a free educational seminar to help you understand how Medicare works. These seminars are free and open to the public every Wednesday at 9 am and Thursday at 3pm. For details and registration link click here.