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Medicare Programs

Medicare Programs That May Help You!

Can you imagine not having to worry about health care for you or your family because you took the time to learn about Medicare and selected the Medicare plans that best met your medical needs?

Needing health care and not being able to afford it can leave you feeling helpless. With the rising cost of health care and health insurance being so expensive you really can't afford to get sick or become disabled. That is where Medicare can help you.

Medicare is an increasingly important source of medical coverage for people that need health care assistance. As you grow older, the need for medical care usually increases and that can be a financial strain, especially if you are on a limited income.

Medicare was created to provide health insurance for Americans that have worked and paid into the Medicare system.

What is Medicare?

Medicare is a United States Federal Government health insurance program that was established for people age 65 or older, people under the age of 65 with certain disabilities, and people of all ages with End-Stage Renal Disease (ESRD - permanent kidney failure requiring dialysis or a transplant).

Where do you start? You will need to know if you are eligible for Medicare, how to apply for Medicare, and what health care coverage Medicare can provide for you and your family.

Additional common questions include Medicare plans, Medicare cuts, Medicare rates, Medicare gaps, and Medicare supplemental insurance. The Medicare articles on this site provide you with additional Medicare information.

Feel free to explore the Medicare information that we have provided to help you determine if you are eligible for Medicare and which parts of the Medicare program will benefit you the most.

If you are new to Medicare

1. You need to know if and when you are eligible for Medicare.

2. You will need to know about the different Medicare Part Plans (A, B, C, and D) and what each of those Medicare plans cover.

Medicare Part A (Hospital Insurance)

Medicare Part B (Medical Insurance)

Medicare Part C (Medicare Advantage)

Medicare Part D (Medicare Prescription Drug Plan)

3. You will need to make a coverage choice on how to get your Medicare coverage, either Original Medicare (Part A and Part B) or Medicare Advantage.

4. You will need to decide if you want Prescription Drug Coverage (Medicare Part D).

5. You will need to decide if you want or need Medicare Supplemental Insurance also know as a Medigap policy.

Additional Medicare Information:

What is the Original Medicare Plan?

The Original Medicare plan is managed by the U.S. Government and is a fee-based service that includes Medicare Part A and Medicare Part B. Everyone that qualifies for Medicare is covered by the Original Medicare Plan. This plan covers most of your health care needs and certain prescription drugs.

What is Medicare Advantage?

Medicare Advantage (Medicare Part C) - This plan was formerly known as "Medicare + Choice". Medicare Advantage plans are offered by Medicare approved private health insurance companies and must provide at least the same coverage as Original Medicare. The health insurance companies often provide additional benefits and coverage.

Medicare Advantage insurance providers like SecureHorizons and Humana Medicare offer a variety of Medicare approved insurance plans. These Medicare Advantage plans are usually Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-For-Service (PFFS), and Special Needs Plan (SNP).

Humana Medicare is one of the private insurance companies that offers you a wide range of Medicare Advantage plans that include Humana Gold Choice PFFS, Humana Gold Plus HMO, HumanaChoicePPO, and Humana Special Needs Plans.

What is Medigap and Medicare Supplement?

Medigap and Medicare Supplement policies are the same thing. Medigap policies are not part of the Medicare program. Medicare supplement insurance plans are offered by private insurance companies. These additional plans can help cover the costs of "gaps", copayments and treatments, in health services that Medicare does not cover.

Did you know that insurance companies must sell you a Medigap Plan during certain time periods? These time periods are known as open enrollment periods and guaranteed issue periods.

What does the term Medicare "doughnut hole" refer to?

Medicare coverage gaps, also known as the "doughnut hole", are gaps in the Medicare Prescription Drug Plan. The new health care reform law works toward closing the coverage gap by 2020.

What are some of the most popular Medicare approved Private Insurance Companies that offer Medicare Supplemental Insurance?

There is a good selection of private insurance companies that offer Medicare Supplement or Medigap policies. Some of the best known companies are AARP Medicare, Humana Medicare, and SecureHorizons Medicare.

What are the Medicare premiums and deductibles for 2015?

The Medicare rates for 2015 have been updated for premiums, deductibles, and co-pays.

What is the "Welcome to Medicare" physical exam?

The "Welcome to Medicare" program allows Medicare to pay for a one-time preventive physical exam within the first 12 months after you have Medicare Part B.

Does Medicare provide any preventive programs?

Medicare does provide a preventive services program to help you stay healthy. Preventive services provides you with physical exams, lab tests and screening.

What is the best way to keep track of my Medicare information?

Medicare provides you with a secure website to help you keep track of your Medicare eligibility, benefits, and enrollment. Learn more about the MyMedicare website. 

What Does Medicare & Medicaid Dual Eligibles Mean?

Dual eligibles refers to people who are entitled to Medicare Part A and/or Part B and are eligible for some form of Medicaid benefit.

Remember that Medicare is a different program than Medicaid. If you want to learn more about the Medicaid program please visit the Medicaid Program site.

Medicare Fraud - How big of a problem is it?

In recent years, Medicare fraud has become a criminal enterprise estimated to be about $60 billion that is stolen from the American taxpayers every year. Unfortunately, Medicare fraud is easy, the criminals have become more sophisticated, and the Medicare system doesn't have enough auditors and personnel to adequately address Medicare fraud.

Please feel free to explore the Medicare articles that we have provided  to help you determine when you are eligible for Medicare and which Medicare Plans will benefit you the most. is an information website owned by What Is It LLC.

Learn more about What Is It at "We Simplify The Complex".

The official U.S. Government Medicare Web site is

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