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Medicare Solutions

How Medicare Works

Centers for Medicare and Medicaid Services 2023 “Medicare and You” Handbook

Medicare is the federal health insurance program for people over 65 years of age and people with certain disabilities or End-Stage Renal Disease (permanent kidney failure).

Medicare Costs At-a-Glance

There Are Four Parts to Medicare:

  • Part A – Hospital Insurance
  • Part B – Optional Medical Insurance
  • Part C – Optional Medicare Advantage Insurance
  • Part D – Optional Prescription Drug Insurance

Medicare Part A
Helps pay for care in hospitals, some skilled nursing facilities, hospice, and some health care. For most people, Part A is premium-free because they paid Medicare taxes.

Optional Medicare Part B
Optional coverage to help pay for doctors, outpatient hospital care, and some other medical services not covered by Part A. Part B monthly premium amounts are based on income and change each year. There may be a late-enrollment penalty.

Part C Optional Medicare Advantage Plan Monthly
An alternative to traditional Medicare, Part C is another way to get Medicare benefits. It combines Part A, Part B, and, sometimes, Part D (prescription drug) coverage. Medicare Advantage Plans are managed by private insurance companies approved by Medicare. These plans must cover medically-necessary services. However, plans can charge different copayments, coinsurance, or deductibles for these services.

Part D Optional Medicare Prescription Drug Plan
This optional coverage may help lower an individual’s prescription drug costs and help protect against higher costs in the future.

Medicare Advantage & PDP

The Annual Election Period is October 15 through December 7. We’re here to help with your preparation and answer your questions.

Contact Our Medicare Solutions Team


Arlan Visser
Senior Health Insurance Specialist
Ext. 1052
Jo Ann Morgan, MBA ALMI
Senior Health Insurance Specialist
Ext. 1005
Colin Burks
Senior Health Insurance Specialist
Ext. 1034

Case Manager

Shawn Whittington
Ext. 1042

Medicare Solutions News

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