Medicare Basics What You Need to Know
Date: 5/6/2025
Medicare is a federal health insurance program for people 65 and older, and for some younger individuals with disabilities. It helps cover many healthcare costs-but it's not always simple to understand. Here's a quick breakdown of the basics:
The Four Parts of Medicare:
- Part A - Hospital Insurance
Covers inpatient care, skilled nursing facilities, hospice, and some home health care. Most people don't pay a premium for this.
- Part B - Medical Insurance
Covers doctors visits, outpatient care, preventive services, and durable medical equipment. You pay a monthly premium for Part B.
- Part C - Medicare Advantage
Offered by private insurance companies, these all-in-one plans include Parts A and B, and often Part D. They may include extra benefits like dental vision, or hearing.
- Part D - Prescription Drug Coverage
Helps pay for your medications. Plans are offered by private insurers and vary in cost and coverage.
What Medicare Doesn't Cover:
- Long-term care
- Dental, vision, and hearing (in Original Medicare)
- Most care outside the U.S.
That's why many people choose to add a supplement plan (Medigap) or enroll in a Medicare Advantage plan to get more complete coverage
Need Hel Figuring it all out?
That's what I'm here for. I'll explain your options clearly, help you compare plans, and make sure you enroll in the one that fits your needs and budget-without pressure or confusion
Annual enrollment starts Oct 15-Dec 7
Special enrollment open all year for qualifying life events
Sue Faccone
Independent Agent | Bankers Life
Email: susan.faccone@bankerslife.com
Phone: (724) 388-5488
Serving Western Pennsylvania
