Medicare is the US Federal Government Health Insurance Program for:

• People 65 years of age and older.
• Some people with disabilities under age 65.
• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

Medicare has Four Parts:

• Part A (Hospital Insurance)
  Most people do not have to pay for Part A.
• Part B (Medical Insurance)
  Most people pay monthly for Part B.
• Part C (Medicare Advantage Plans)
  Medicare Advantage plans are offered by private insurance companies as an alternative to Original Medicare; plans are government subsidized and regulated.
• Part D (Prescription Drug Coverage)
  Part D Plans are offered by private companies to provide coverage for prescription drug costs; plans are government subsidized and regulated.

We can assist you with any type of medicare coverage. Medicare plans fall into three categories.

Medicare Supplement policies cover costs not paid by Medicare, such as co-pays and deductibles for doctor visits and hospitalization. Plans offer comprehensive coverage so you can see any doctor and there are usually few if any out-of-pocket expenses.

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.

Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. Premiums are often low and $0 premium plans are available in many areas.