- People 65 or older
- People under 65 with certain disabilities
- People of any age with permanent kidney failure
The 2 sources of Medicare coverage
1. Original Medicare
This insurance is provided by the Federal government and consists of the following Parts:
2. Medicare Advantage plans
Original and Advantage Medicare, compared
Original Medicare is provided by the Federal government. What you see in the booklet “Medicare & You 2014” is what you get. It allows you to add optional prescription drug coverage and optional Supplemental insurance. The downside: It costs more to buy than Advantage plans. The upside: It may be cheaper than Advantage plans when you use it, and you’re not restricted to certain doctors and hospitals.
Advantage plans come from insurance companies. Because they combine several kinds of health-related insurance, they can be more convenient to use and tend to have lower premiums than Original Medicare with drug and Supplemental coverage. Downside: You have to use the doctors and hospitals in your plan’s system. And you may pay more when you use the insurance. Supplemental insurance is not available with Advantage plans.
Many Medicare members don’t realize it, but Medicare care covers 25 different kinds of preventive, health maintenance services (see “A handy checklist” in AskNelly).
What’s not covered by Parts A and B
How to join or ask questions: Call 800-633-4227
Or go to the Medicare website. If you have Original Medicare, you can find out if Medicare covers a service you may need. If you have an Advantage plan, call your insurance company.