Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). Medicare is administered by the Centers for Medicare and Medicaid Services (CMS).

Medicare has four parts:

• Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility stays, hospice care, and some home health care services.
• Part B (Medical Insurance) covers doctor visits, outpatient hospital care, some preventive services, and other medical services.
• Part D (Prescription Drug Coverage) helps pay for prescription drugs.
• Part C (Medicare Advantage) is a private health insurance plan that provides all of your Medicare Part A and Part B benefits.

Medicare is a valuable resource for many people, but it can be complex to understand. The Medicare Insurance Agency is here to help you understand your Medicare benefits and options. We offer a variety of resources, including:

• A website with information about Medicare
• A toll-free phone number to call for help
• In-person counseling at Ashford Insurances’ local office

We are here to help you get the most out of your Medicare benefits. Contact us today to learn more.