Medicare and Medicaid

Medicare and Medicaid are extremely complex government programs. Let John assist in answering your Medicare and/or Medicaid questions or clarify procedures or processes that may be difficult to understand. His goal is to make sure you have the best coverage available and that you are adequately prepared for the future.

Medicare

Medicare is a federal health care insurance program available to people 65 years of age or older, certain younger people with disabilities and people with End Stage Renal Disease.

Medicare Part A is hospital care insurance that helps pay for care in the inpatient setting, at a skilled nursing facility, hospice or some home health care.

Medicare Part B is medical insurance that helps pay for services and supplies that are deemed ‘medically necessary.’ Doctor services and outpatient hospital care are likely included under Part B.

Medicare Part C, or Medicare Choice, is available for any individual who is entitled to Medicare benefits under Part A and enrolled under Part B. Part C health insurance plans can include Coordinated Care Plans, such as health maintenance organizations (HMOs) or preferred provider organizations (PPOs), or Private Fee-for-Service Plans or Medical Savings Accounts (MSAs).

Medicare Part D is an optional prescription drug benefit plan. Individuals with benefits under Part A or enrolled in Part B are eligible to receive Part D. Individuals must enroll in a stand alone drug plan or private health plan that offers drug coverage, pay a deducible, coinsurance and a monthly premium.

Medicaid

Medicaid, a federally created and state administered program, is based on income and helps with medical costs for individuals and families who convince the government that they are in need of assistance. Medicaid provides health insurance coverage to low-income children, seniors and people with disabilities. For individuals who qualify, Medicaid may cover care in a nursing home.