Strongtower Insurance Services

Understand Medicare

Medicare is a government-sponsored health insurance system available to Americans who have reached age 65, plus younger people living with certain disabilities or chronic health conditions such as End-Stage Renal Disease.

The program is divided into multiple sections labeled Parts A, B, C, and D, with each section providing coverage for distinct types of medical services and healthcare needs.

Original Medicare

Medicare Parts A and B are referred to as "Original Medicare".

These parts are managed by the federal government. Some individuals who receive Social Security benefits are automatically enrolled in Original Medicare while others need to apply for it as they approach their 65th birthday.

Medicare Part A (Hospital Insurance)

Medicare Part A includes coverage for inpatient services in hospitals or skilled nursing facilities, as well as home health care and hospice care for patients with terminal illnesses.

Part A Cost

Deductible

You must first meet a Part A deductible before Part A helps with your covered medical expenses.

Options

There is no insurance premium for Part A if you or your spouse have paid into Social Security for a minimum of 10 years.

If not, you have the option to purchase Medicare Part A.

Copays

Copayments or cost-sharing might be required for certain services. This includes prolonged hospital or skilled nursing facility stays.

Coinsurance

Part A has coinsurance for:

• Inpatient hospital care lasting between 61-90 days total per benefit period.

• Inpatient mental health care lasting between 61-90 days total per benefit period.

• Skilled nursing care lasting between 21-100 days total per benefit period.

Coinsurance is also available for a limited number of additional days.

Medicare Part B:

Additional Information

If you have Original Medicare under Part B and your physician accepts Medicare, you can utilize your

coverage anywhere within the United States. You have the freedom to choose any doctor in the country who accepts Medicare patients. Additionally, Part B premiums, standard deductibles, and cost-sharing amounts typically undergo annual adjustments, with changes taking effect on January 1st.

Looking for a First-Class Medicare Consultant?

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Strongtower Insurance Services is committed to serving you at the highest level with all your Medicare needs.

National Producer Number: 6825261

DISCLAIMER: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Call us at: (410) 559-5945

Email us at: [email protected]