There are several Medicare parts to consider, including:
Medicare Part A - In general, this plan covers short-term emergency or urgent care. This includes in-patient hospitalization with semi-private rooms and meals, as well as hospice care. It can also cover up to 90 days in a Skilled Nursing Facility, 100 days of home health care or 190 days in a Medicare-accredited psychiatric hospital. Part A is part of Medicare Original, which means if the federal government considers you to be eligible, you won't have to apply for coverage on your own.
Medicare Part B - This plan covers most out-patient medical services, like lab tests, consultations and preventive screenings from licensed professionals. It can also cover medical supplies and equipment needed at home. Part B is part of Medicare Original. If you are considered eligible by the federal government, you may not have to apply for coverage.
Medicare Part C - Part C is also known as Medicare Advantage. Medicare Advantage plans are private insurance plans with lower premiums than Medigap. They cover a wide range of wellness services and are ideal for people who may have missed open enrollment for Medigap or don't qualify for Medigap because of pre-existing conditions.
Medicare Part D - This plan covers out-patient drugs and is considered Medicare's prescription drug benefit. You'll want this coverage if you take prescription drugs, whether you purchase them in a hospital facility or not.
If you're not sure which Medicare option is right for you, call 845-485-5677 today to speak with a helpful member of our staff.
