Independent Life and Health Insurance

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Monday – Friday9:00 – 5:00
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 +(208)921-4880

MEDICARE EDUCATION

& RESOURCES

WHAT IS MEDICARE?

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

The different parts of Medicare help cover specific services:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MEDICARE PART A (HOSPITAL INSURANCE)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

MEDICARE PART B (MEDICAL INSURANCE)

Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

MEDICARE PART C (MEDICARE ADVANTAGE PLANS)

A type of Medicare health plan offered by private insurance companies that contract with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits.

Most Medicare Advantage Plans offer prescription drug coverage.

MEDICARE PART D (PRESCRIPTION DRUG COVERAGE)

Part D adds prescription drug coverage to:

  • Original Medicare
  • Some Medicare Cost Plans
  • Some Medicare Private-Fee-for-Service Plans
  • Medicare Medical Savings Account Plans

These plans are offered by private insurance companies that contract with Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

MEDICARE SUPPLEMENT (MEDIGAP) 

These plans are offered by private insurance companies and are designed to supplement and cover many of the costs that Medicare Parts A and B do not cover.

Here are some videos that you might find helpful in understanding the basics of Medicare.

Low Income Subsidy (LIS) Explained:

How can I see if I qualify for extra financial help to pay for prescription drugs?

Social Security and the Centers for Medicare and Medicaid Services are working together to get you Extra Help with your prescription drug costs. If you have limited income and resources, you may be able to get help paying for your monthly premiums, annual deductibles and prescription co-payments. As your no cost advisor, I can help you walk through all aspects of the Medicare process; including applying for Medicare, choosing an appropriate plan for your needs, and qualifying for Medicaid or Low Income Subsidy.

I am currently licensed to help clients living in the following states:

Idaho, Arizona, California, Oregon, Washington, Nevada, Tennessee and Texas

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