What is Medicare?

Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people of any age with End-Stage Renal Disease. It ensures that all seniors have basic hospital insurance (Part A) at no cost to them. It also provides the option of medical insurance (Part B). Part A & Part B make up what is called Original Medicare.
There is also a Medicare Part C (Medicare Advantage, that combines the Part A, B and D into one program for ease of use.  You will choose between Original Medicare and Medicare Advantage.
Two paths to medicare

Original Medicare covers:

Part A (Hospital Insurance)

  • Inpatient Care in Hospitals
  • Skilled Nursing facility Care
  • Hospice Care
  • Home Health Care

Part B (Medical insurance)

  • Doctors and other health care providers
  • Outpatient Care
  • Home Health Care
  • Durable medical equipment (wheelchairs, walkers, etc.)
  • Preventative Services (screenings, vaccines, wellness visits)

 

Part D (Drug Coverage)

Helps cover the cost of prescription drugs.

Medigap (Supplemental).  This is only available to people with Original Medicare Part A and B.  Part D (Drug Coverage) is now a completely separate plan.

Medigap can help with:

  • Copayments
  • Coinsurance
  • Deductibles

Medigap policies generally don't cover long-term care, vision, dental care, hearing aids, eyeglasses or private duty nursing.  Those benefits may be available in a Medicare Advantage Plan.  You cannot have a Medigap plan if you are enrolled in a Medicare Advantage Plan.

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Our vision is to make a positive difference in the lives of Medicare eligible tribal members. Our mission  is to save members money and help them receive the most benefits available to them.

Contact you local tribal health agent to discover the benefits that best fit your needs.   You may also qualify for additional benefits and income.

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