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Medicare the Basics
Medicare is a health insurance program that is administered by the federal government. It is for people who are 65 or older, younger people with certain disabilities, and people with end-stage renal disease (ESRD). Medicare is broken down into four parts, A, B, C and D. These parts cover specific services.
Medicare Supplements the Basics
Medicare Supplements also referred to as Medigap or Supplemental Plans are designed to fill in the remaining 20% of what Medicare doesn’t cover. Such as medically necessary co-pays and deductibles for covered hospitalization, medical services, and doctor visits.
Medicare Advantage the Basics
Medicare Advantage (MA), also known as Medicare Part C is a managed health care program and is known for it’s low upfront costs. In fact, many areas of the country offer zero-premium plans. With zero premium plans, you pay nothing upfront.
Some Medicare Advantage Plans will offer prescription drug coverage. This type of plan is called an MAPD.
Prescription Drug Plans the Basics
A Medicare Prescription Drug Plan (PDP), also known as Medicare Part D adds prescription drug coverage to Original Medicare Parts A and B. It was introduced by the Medicare Prescription Drug, Improvement Act of 2003.
Administered by private insurance companies, all Part D plans are approved by Medicare. These plans will vary in the drugs they cover as well as cost.