For anyone who’s a senior, or who’s taking care of a senior or helping them with life activities, understanding what Medicare can offer is important. As a federal benefits program, Medicare can help individuals in retirement manage their healthcare needs. But just what is Medicare?
Simply put, Medicare is a program for people over 65 years of age. It is designed to provide them with health insurance. But it can do much more than that and has a lot of options. However, it can be daunting figuring out all the program has to offer and how to take advantage of the benefits due to you. At SeniorSmart, we can help you understand the value of Medicare, along with what you can do with it and what you may want to consider avoiding. We’re here to help provide information and give you the knowledge to make informed decisions. There’s a lot to navigate when you’re trying to choose the right Medicare plan, and making sure you’re selecting one that meets your needs is a great way to have good coverage and more peace of mind.
What is Medicare?
As a federal insurance program, Medicare is mostly for people age 65 and older. But what is Medicare? It’s not just for seniors, as it also helps younger people who have certain disabilities and people who are living with end-stage renal disease. There are four different parts of Medicare. Each of these parts is meant to address a specific need. Individuals need to familiarize themselves with each part and figure out which one would best suit their needs. The parts of Medicare include:
- Part A covers hospitals.
- General medical insurance is covered by Part B.
- Part C is an “all in one” alternative.
- Part D deals with prescription drug coverage.
But not all parts of Medicare are automatically offered. There can be costs associated with some of the parts, and there are additional plans that can be add-on options through private insurance companies. That makes the Medicare question more complicated than just saying it’s an insurance plan for those over 65 years of age is. By looking at your Medicare card, you can see which kinds of coverage you have. Part A and B are the standard options, but many people choose additional coverage. That coverage may be on a different insurance card.
How Can Medicare Help Me?
For most people the “what is Medicare” question isn’t really about the program itself. It’s about how that program can be used to help them live better lives. If you’re not sure what all Medicare can offer, exploring your options with a professional advisor familiar with the program can be the right idea. That’s especially important if you’re under 65 but disabled, or if you want to get some of the additional plans and are looking for a fair price and good coverage. With all Medicare offers, there are options to fit nearly everyone’s needs.
SeniorSmart is Here to Help with Medicare Information
You don’t have to spend time asking what is Medicare or being worried that you’re not choosing the right plan. With guidance from SeniorSmart, you can make the best decisions for yourself and your family. When you get the quality help and information you need, it’s much easier to understand the value of Medicare so you can make it work for you. Reach out to us at 205.460.1124 today, and we’ll provide you with the information you need to make an informed choice about healthcare needs. Whether you’re choosing a plan for yourself or helping someone else make their selection, the right Medicare plan is out there for you. We can help you find it.