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Medicare is health insurance for people age 65 or older, under 65 with certain disabilities, and any age with End-State Renal Disease – ESRD (permanent kidney failure requiring dialysis or a kidney transplant). There are different parts to Medicare coverage that eligible beneficiaries qualify to join. These different parts help cover specific services if certain conditions

Medicare Part A (Hospital Insurances) covers inpatient hospital care, care in a skilled nursing facility, hospice and home health care.

Medicare Part B (Medical Insurance) helps to cover some doctor services, outpatient services and home health care.  Additionally Part B can help to cover some preventative services to maintain health or prevent illness from worsening.

Medicare Part C (Medicare Advantage Plus) allows Medicare benefits to be provided through a private company who is approved and contracted under Medicare. This plan includes Part A, Part B, Part D and other benefits that Medicare may not cover such as vision and dental services and may also include prescription drug coverage

Medicare Part D is a prescription drug coverage policy. It covers most generic and name brand drugs. Its purpose is to help people who already have high prescription drug costs as well as help with rising prescription drug costs.

You may also apply for a Medicare Advantage plan during a Special Enrollment Period (SEP).  These include, but are not limited to, the following: The 3 months before, the month of, and the 3 months following your initial eligibility (usually when you reach 65), moving into a new county, leaving your group health plan, loss