Medicare Parts and what they mean

Part A (Original Medicare - Hospital)

Provides coverage for hospital-related services such as:

Part B (Original Medicare - Medical)

Provides coverage for certain medical services and supplies, that are deemed medically necessary, such as:

Part C (Medicare Advantage)

Part C, or Medicare Advantage, is a Medicare plan from a private insurance company that is Medicare approved. Medicare Advantages plans may offer extra benefits that Original Medicare doesn't cover.

Part D (Prescription Drug Plan)

Part D, or Prescription Drug coverage, helps beneficiaries cover the cost of prescription drugs, as well as recommended shots and vaccines. Part D Prescription Drug plans (PDPs) are often already bundled into Medicare Advantage (Part C) plans, or offered as standalone plans when paired with Parts A and B and/or with a Medicare Supplement plan.

Medicare Supplement (Medigap)

Medicare Supplement Insurance (also known as Medigap) is a type of private health insurance that is designed to supplement Original Medicare (Parts A and B). It helps cover some of the out-of-pocket costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles. Medicare Supplement Insurance policies are offered by private insurance companies and are standardized by the federal government. This means that each insurance company must offer the same benefits for each policy type, regardless of which company you buy from.

Check out our Services page to learn more about how Keen Advisors can help you navigate Medicare.

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Am I eligible for Medicare?

Medicare is generally for people 65 years and older. If you have a qualifying disability, End- Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s disease), you may be able to apply for Medicare earlier.

Generally, you're first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after the month you turn 65. These 7 months are referred to as your Initial Enrollment Period. It's important to enroll in your Medicare plan on time because late enrollment can result in penalties.

Turning 65? Read more about the next steps

New to Medicare? Let us welcome you

As you approach your 65th birthday, you are probably feeling quite popular with all the information coming your way! We are excited to help make this time of life a bit more clear.

To support you as you make these important decisions, we offer “Welcome to Medicare” educational webinars to help you navigate all the options available to you.

These webinars give you an opportunity to ask questions about Medicare and other related topics you may want to learn more about, at no cost to you.

Check out our Wealthcare Webinar to learn everything you need to know about starting your Medicare journey...

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