Frequently Asked Questions

Medical Insurance: Senior Plans

General

Medicare: What’s the difference?

There are several different types of Medicare plans for you to consider.

Part A is known as Hospital insurance, while Part B is considered Medical Insurance. Part C is also referred to as Medicare Advantage and Part D is for prescription drug coverage.

Anyone who is eligible for free Medicare Part A is eligible for Medicare Part B by enrolling and paying a monthly premium. If you are not eligible for premium-free Medicare Part A, you can qualify for Medicare Part B as a 65 years or older U.S. citizen, or a permanent resident lawfully residing in the U.S. You may also qualify for automatic Medicare Part B enrollment through disability.

doctor-840127_1920.jpgMedicare Part A (Hospital Insurance) helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Medicare Part B (Medical Insurance) helps cover:

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Medicare Part C (Medicare Advantage):

  • Includes all benefits and services covered under Part A and Part B
  • Usually includes Medicare prescription drug coverage (Part D) as part of the plan
  • Run by Medicare-approved private insurance companies
  • May include extra benefits and services for an extra cost

drug-943759_1920.jpgMedicare Part D (prescription drug coverage):

  • Helps cover the cost of prescription drugs
  • Run by Medicare-approved private insurance companies
  • May help lower your prescription drug costs and help protect against higher costs in the future

AMERICAN INSURANCE has local certified health agents available to meet with you by appointment to discuss Medicare and many other health care options. You can contact us to set up that appointment by calling them at 208-746-9646 or emailing us at American@Am-Ins.com.

Here are some more answers to questions you may have regarding your Medicare coverage.

  • If your 65th birthday is coming soon, you might have some questions about how Medicare works.
  • Your out-of-pocket costs in your original Medicare plan will depend on several factors.
  • If you have Original Medicare, you’ll get a “Medicare Summary Notice” in the mail every three months that lists all the services billed to Medicare.

AMERICAN INSURANCE has local certified health agents available to meet with you by appointment to discuss Medicare and many other health care options. You can contact us online or call us at 208-746-9646 or email us at Medical@Am-Ins.com to set an appointment with a health agent.


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FAQ Disclaimer

The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.

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