Medicare Basics
Get The Right Medicare Insurance
For Your Needs
If you are turning 65, it’s important to start thinking about Medicare to ensure that you will have the right type of plan in place to cover your most important and probable healthcare needs. You can sign up for Medicare as early as 3 months prior to your 65th birthday.
Medicare benefits can change from year to year, and the options are complex. CSC is a full service Medicare insurance broker, offering custom tailored plans. We can provide the expert advice and clear and simple answers you need to determine what type of coverage is right for your situation.
Medicare is a federally administered insurance program that helps pay for health care expenses with a unique benefit structure for people aged 65 or older. Medicare is also available to people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD).
Below are some of the things you may want to consider in your decision:
Medicare is a “fee-for-service” system, where a Medicare beneficiary is charged a fee for each health care service received. Basic Medicare helps with the cost of health care, but it does not cover all medical expenses, nor the cost of most long-term care. To cover more of their health care costs, many individuals pay for additional Medicare policies to supplement what Medicare pays.
The A, B, C, and D’s of Medicare
Part A
Also called hospital insurance, Medicare Part A covers the cost of hospital care, a skilled nursing facility, or hospice. Medicare Part A also covers some home health services.
Part B
Also called medical insurance, Medicare Part B covers most medically necessary doctors’ services, preventive care, durable medical equipment, hospital outpatient services, laboratory tests, x-rays, mental health care, and some home health and ambulance services.
Part D
Also called a Medicare Prescription Drug Plan, Medicare Part D is prescription drug coverage.
Part C
The Medicare Advantage (MA) Program, Part C, combines coverage for Parts A, B and D benefits. These plans are administered by private insurance companies, rather than the Federal government. In most cases, you must use the plan’s in-network doctors and facilities. Some Medicare Advantage Plans include Medicare Part D prescription drug coverage.
Medicare Supplement Insurance also known as Medigap Plans
A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Medicare Parts A and B don’t cover, like: Copayments, Coinsurance, and Deductibles. Medigap policies are administered by private insurance companies.
Even with all of the above Medicare products in place, you will still need to pay for the following: long term care, vision care, dental care, hearing aids, eyeglasses, and private-duty nursing because Medicare does not cover these services except in certain situations.
Who is eligible for Medicare?
A Person who has been a U.S. citizen / legal resident for at least five consecutive years and is at least one of the following:
- Age 65 or older
- younger than 65 with a qualifying disability
- Any age with a diagnosis of end-stage renal disease (permanent kidney failure requiring dialysis or transplant)
You have choices
When you understand the basics of Medicare, you will quickly learn that there isn’t a “one size fits all” plan. We are here to educate you about all your choices.
Choices include:
- Original Medicare: Coverage managed by the federal government. Generally, there is a cost for each service.
Original Medicare includes:
- inpatient hospital stays,
- care in a skilled nursing facility
- hospice care
- some home health care
- certain doctors services
- outpatient care
- medical supplies
- preventive services
- Original Medicare with a stand-alone prescription drug plan (Part D) and/or a Medicare supplement insurance plan
- Medicare Advantage (Part C) plan : a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Most Medicare Advantage plans offer prescription drug coverage, vision, hearing and dental benefits.
How Can We Help You?

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