Medicare Resource Center
2011 Government
Guide to Medicare
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Medicare Benefits
What Is Medicare?

Medicare is health insurance for the following:

  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with End-Stage Renal Disease (ESRD)
    (permanent kidney failure requiring dialysis or a kidney
    transplant)
Compare Original Medicare with Medicare Advantage
Medicare Part A (Hospital Insurance)                 


  • Helps cover skilled nursing facility, hospice, and home
    health care
Medicare Part B(Medical Insurance)                   

  • Helps cover doctors' services, hospital outpatient care,
    and home health care

  • Helps cover some preventive services to help maintain
    your health and to keep certain illnesses from getting
    worse
Medicare Part D (Medicare Rx Coverage)               

  • A prescription drug option run by Medicare-approved
    private insurance companies

  • Helps cover the cost of prescription drugs

  • May help lower your prescription drug costs and help
    protect against higher costs in the future
Your
Medicare
Benefits
Handbook
.pdf  725.79 KB
Get Rates for
Medicare Supplements
or
Medicare Advantage
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Medicare Advantage           

Medicare Advantage Plans are the result of legislation that
has recently been enacted. These plans are becoming
tremendously popular due to the extra benefits that are
offered. Extra days in the hospital, low out of pocket costs for
doctor visits and affordable prescriptions, are some of the
common extra benefits usually offered.

The Medicare Advantage plan is offered throughout the United
States via private insurers. Part A and Part B of Medicare are
required to join the plan, and the Medicare part B premium
must be paid by the Medicare recipient in order to enroll.
Private insurers offer plans which have varying co-payments
and premiums that start at $0 per month.

A Medicare PFFS (Private Fee for Service) Advantage plan is
enjoying explosive membership growth because it allows the
Medicare recipient to visit any doctor, any hospital in the
United States. Currently (2010) the Medicare PFFS Advantage
plan is asuperior value versus the supplement for most people.

The HMO (Health Maintenance Organization) Advantage plan
continues to be popular for those who desire to have minimal
out-of-pocket expenses, and low (usually zero) monthly
premiums.

The Advantages of a Medicare Advantage Plan

  • Medicare Advantage plans are available with little or no
    monthly premiums.

  • Medicare Advantage plan holders are still in Medicare
    and retain the rights and protections of Medicare.


  • A Medicare Advantage member will continue to receive
    regular Medicare covered services. In addition, a
    Medicare Advantage plan holder will also have access to
    additional services that neither Medicare supplements
    nor the original Medicare provides.

  • Prescription drug plans often are included in the
    Medicare Advantage plan while supplemental Medicare
    policyholders must pay extra for the Part D prescription
    plan.

                            READ MORE
Original Medicare
Medicare Advantage
Or
Medigap (Medicare Supplement)             

  • Private supplemental health insurance plans sold to
    Medicare beneficiaries in the United States that provide
    coverage for medical expenses not or only partially
    covered by Medicare.
2011 Government
guide for "Choosing a
Medicap policy"
.pdf  3.15mb