A Quick Medicare Program Overview

Health care has been a growing issue in the United States for years. Many individuals, especially seniors on a fixed income, find that they are unable to afford medical bills. The Medicare program was developed by the government to help those who are eligible with their overwhelming health care bills. Orginal Medicare can help control out-of-pocket cost, but does not cover all expenses. This is why insurance companies offer Medicare supplement insurance. To fill in the gaps left by Medicare and to make sure that seniors have affordable options, Medicare has approved 10 Mondernized Medigap insurance plans that are offered by insurance companies.

There is a lot of information to process when considering Medicare. Knowing what Medicare is and how it works will help you choose the program that will best meet your individual needs. Having an independent insurance agent on your side to help walk you through the Medicare basics and explain the options of Medigap plans can benefit you and ensure that you are getting the right coverage at an affordable price.

What is Medicare?

Medicare is a government health insurance program administered by the Centers for Medicare & Medicaid Services (CMS). Medicare is the largest health insurance service in the country, with around 40 million Americans participating. To be eligible you must be a citizen of the United States and meet certain requirements. If you are not a citizen of the United States, you can contact the Social Security Administration office to learn if you would be eligible.

Can you answer yes to at least one of the following statements?

• I am 65 years of age or older.
• I am under 65, but I have certain disabilities.
• I have End-Stage Renal Disease (kidney failure that requires a transplant or dialysis).

If so, then you are likely to be eligible for Medicare benefits.

For more information on Medicare and the different Parts and Plans offered, please feel free to search through our website or contact one of our agents at 1-866-849-5465 to get any questions or concerns you may have answered.