What is Medicare?

Medicare is a federal health insurance program. There are several parts of Medicare coverage:

Part A covers inpatient hospital services, skilled nursing, hospice and home health care.
Part B covers outpatient medical services, home health care, durable medical equipment and preventive services.
Part C (Medicare Advantage) is offered by private companies and covers services under A, B, and D
Part D provides prescription drug coverage
Medicare Supplement (Medigap): Extra insurance offered by private companies that can help pay your share of costs in Original Medicare.

What is Original Medicare?

"Original Medicare" includes Medicare Part A and Part B.

Medicare Part A

Generally, Medicare Part A covers:

Inpatient care in a hospital
Skilled nursing facility care
Nursing home care (does not include custodial or long-term care)
Hospice care
Home health care

Medicare Part B

Medicare Part B covers medically necessary outpatient services and preventive care.

Generally, Medicare Part B covers:

Outpatient medical services
Preventive services
Ambulance services
Durable Medical Equipment (DME)
Mental healthcare including inpatient, outpatient and partial hospitalization
Limited outpatient prescription drugs
Clinical research

Medicare Part D

Medicare Part D covers prescription drugs.

Each Part D plan has its own "formulary" or list of drugs that they cover. These formularies place drugs into different levels or "tiers". Drugs in each tier have different costs. In general, a drug in a lower tier will cost less.

Medicare Part C & Medicare Supplement (Medigap)

Many beneficiaries choose to enroll in a Medicare Advantage (Part C) or Medicare Supplement (also called Medigap) plan to replace their benefits provided under Original Medicare. These plans can offer lower costs, more flexibility and additional benefits not provided under Original Medicare.

Click here to more about your options

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What is the difference between Medicare & Medicaid?

Medicare is a federal health insurance program that is available for eligible individuals age 65 and older (or those under 65 with certain disabilities or conditions).

Medicaid is coordinated at the State level and provides health insurance coverage and other benefits for those with limited income or resources.

When can I make changes to my plan?

Medicare is a federal health insurance program that is available for eligible individuals age 65 and older (or those under 65 with certain disabilities or conditions).

Medicaid is coordinated at the State level and provides health insurance coverage and other benefits for those with limited income or resources.

Call: (970) 778-0903 (TTY: 711)

Email: [email protected]

Not affiliated with the U. S. government or federal Medicare program.

We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local State Health Insurance Program to get information on all of your options.

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