To ensure that vulnerable Americans receive the vital health care they need, the federal government offers insurance through Medicare, which covers a significant portion of medical expenses. Although primarily designed for those 65 years or older, Medicare also provides treatment for younger individuals suffering from disabilities, as well as patients with End-Stage Renal Disease. To provide options that can be tailored to individual needs, the Medicare program is administered through interlocking parts.

Types of Medicare Plans

Medicare Part A

Part A covers most costs associated with inpatient care, including treatment, a semi-private room, meals, nursing services, and medical supplies. In addition to treatment received at acute care hospitals, Medicare Part A also covers any necessary inpatient rehabilitation services, as well as hospice and, in some circumstances, home health care.

Medicare Part B

The other part of Original Medicare, Part B health insurance covers certain doctors’ services, including preventative medicine, surgeries, and expenses associated with outpatient care. Other services, such as physical therapy, part-time home health care, and ambulance fees may also be covered.

Medicare Advantage

The federal government contracts some private insurance carriers to provide Medicare services to eligible participants. These plans include both Medicare Part A and B services, and may have additional benefits like prescription drug coverage and annual spending limits. However, premiums and deductibles may be higher, so speak with a professional before joining a Medicare Advantage plan.

Medicare Part D

This program adds prescription drug benefits to Original Medicare and some private insurance packages. Like Medicare Advantage, Part D is administered by private insurers who must meet certain federal requirements. This portion is particularly useful if you’ve been prescribed an extensive medication routine. 
 

As an independent insurance agency that has built a reputation by helping qualified seniors throughout Somerset, KY, Toohey Insurance Service has the expertise to help you. Because they work with a wide network of insurers, their experienced agents can offer a variety of options to ensure you receive coverage at reasonable rates. Visit their website for an overview of their Medicare and other insurance services, follow their Facebook for regular updates, and call (606) 678-0540 to make an appointment and request a quote.