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Medicare Basics

What Is Medicare?

Medicare is federal health coverage administered through the Centers for Medicare & Medicaid Services.

You may qualify through:
65+

Age 65 or Older

Medicare is generally available to qualifying individuals beginning at age 65.

SSDI

Disability

Some people under 65 may qualify after receiving Social Security Disability benefits for the required period.

ESRD

End-Stage Renal Disease

Certain individuals with End-Stage Renal Disease may also qualify for Medicare.

Wondering when you qualify? Let us help you understand what comes next.
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MEDICARE MADE EASIER

Understanding the Four Parts of Medicare

Each part of Medicare serves a different purpose. Here is a simple overview of how Parts A, B, C and D work.

A

Medicare Part A

Hospital Coverage

Helps pay for certain care received after you are admitted into a hospital.

  • Inpatient hospital care
  • Skilled nursing facility care
  • Hospice care
  • Certain home health care
Think: Hospital and facility-based care
B

Medicare Part B

Medical Coverage

Helps pay for certain medical services received outside an inpatient hospital stay.

  • Doctor services
  • Outpatient care
  • Medical supplies
  • Preventive services
Think: Doctors and outpatient care
C

Medicare Part C

Medicare Advantage

Private Medicare plans that provide your Part A and Part B benefits through the plan.

  • Offered by private insurance companies
  • Includes Part A and Part B benefits
  • Many plans include prescription coverage
  • May include dental, vision, hearing and fitness
Think: Medicare benefits bundled into one plan
D

Medicare Part D

Prescription Drug Coverage

Helps cover the cost of prescription medications.

  • Available as a stand-alone drug plan
  • Included with many Medicare Advantage plans
  • Each plan has its own drug formulary
  • Coverage varies by medication and plan
Think: Prescription medication coverage
A + B
Original Medicare Hospital and medical coverage
C
Medicare Advantage Part A and B through a private plan
D
Drug Coverage Stand-alone or included in many plans
Not sure how the four parts work together? Schedule a personal Medicare review with Lily Insurance.
Book Medicare Review

UNDERSTANDING YOUR MEDICARE OPTIONS

Three Ways to Build Your Medicare Coverage

Medicare coverage is not one-size-fits-all. Explore three common approaches and see how they differ.

1

PARTS A + B

Original Medicare

Medicare Parts A and B provide hospital and medical coverage. You may still be responsible for deductibles and a share of covered costs.

  • Part A hospital coverage
  • Part B medical coverage
  • Prescription drugs are not automatically included
  • A separate Part D plan may be added
Government-administered coverage
ALL-IN-ONE OPTION
2

MEDICARE PART C

Medicare Advantage

Private Medicare plans that provide your Part A and Part B benefits through the insurance plan.

  • Combines Part A and Part B coverage
  • Many plans include Part D drug coverage
  • May include dental, vision and hearing
  • May include fitness and other added benefits
Private all-in-one plan
3

ALSO CALLED MEDIGAP

Medicare Supplement

Helps pay certain out-of-pocket costs that Original Medicare does not fully cover.

  • Works alongside Original Medicare
  • Offered by private insurance companies
  • Helps cover certain remaining costs
  • Prescription coverage is purchased separately
Supplements Original Medicare
A + B
Original Medicare Add Part D separately for prescriptions
OR
C
Medicare Advantage Often combines medical and drug coverage
OR
AB+
Original Medicare + Supplement Add Part D separately for prescriptions
Not sure which approach fits your needs? We will help you compare your options in plain language.
Book Medicare Review
"Suzette has a thorough knowledge of Medicare and helped my husband and I along with many family members to select the best packages for us."
Pat H.
Pat H.*****
" I was Happy to meet Suzette, finally someone to provide personal service at your convenience. She is extremely knowledgeable of Medicare Healthcare products and can answer any question you might have. I meet with her every year and her services are exceptional. Thank you Suzette "
Carolyn C.
Carolyn C.*****
" Suzette is very knowledgeable about many different insurance policies and worked hard to find the one that suited our needs."
Martha A.
Martha A.*****
" I like that Suzette keeps you up to date about the changes with insurance. She is patient and caring and polite. She is also very knowledgeable in what she does and is reliable and ready to answer any question you may have. "
Linda B.
Linda B.*****

FAQ

Are you turning 65? On Social Security Disability? You could be eligible. Get a free Medicare review to see if you are.

Being over-insured is not suggested but neither is being underinsured. We are professionals at this and can help you review your coverage needs.

You don’t look just like anyone and neither does your health. One size does not fit all. We can help you find the right plan for you.

Helpful Resources to Guide You

Events

Lets Go Senior Expo
Let’s Go Senior Expo! Connecting senior citizens to the businesses & services they need while making it a morning of food, fun, & fellowship-
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We Appreciate You
Come Join us for One of our Educationals Events. Have fun and know we Care. Dates and times you can call us or find on Events page.
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Cinematic Fun
Join us old school, where you sit back with popcorn, drink and the big screen
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Live Long & Prosper
Under 65 or 65+, we have you covered. Find out your options, Join us for one of our Educational events, to find out your options. Live or Virtual Find out on the Events page or the Academy page
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Movie Day Fun
Ready for some Fun, kick it with the big boys. show them what you got. Laughter is the best medicine
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So Much Fun
Fun, Games, Food, Music & Education. Find out and Enjoy the Golden years. Find out one near you on the Events page
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