Once you reach 65 years of age, you become eligible for Medicare. Medicare has different parts which cover some services, but not all of them.

Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B helps cover medically-necessary services like doctors’ services and tests, outpatient care, home health services, durable medical equipment, and other medical services. Part B also covers some preventive services.

Medicare Advantage (also known as “Part C”) is a type of Medicare health plan offered by a private company that contracts with Medicare. These plans include Part A, Part B, and usually Part D. Plans may offer some extra benefits that Original Medicare doesn’t cover. 

Medicare Part D is prescription drug coverage for individuals with Medicare. 

Also offering Medigap, a supplemental plan that helps to fill gaps by paying out-of-pocket costs associated with Original Medicare. A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. Medicare also has no out-of-pocket cap, meaning if you have medical needs, it can become expensive. A Medigap plan helps cover deductibles and coinsurance costs from Medicare Part A or Part B.