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Medicare is a federal health insurance program created for seniors age 65 and older. It also covers younger individuals with certain disabilities and end-stage renal disease (ESRD), which is a type of permanent kidney failure that requires a kidney transplant or dialysis.

Medicare is made of different parts that are designed to cover different services that individuals may need. It’s divided into four main parts: parts A, B, C, and D. Those who are eligible for Railroad Retirement benefits or Social Security may be automatically eligible for Medicare along with their spouse.

How Medicare Works

If you are eligible for Medicare, Part A is free, but you must pay a premium for Part B and Part D.

Medicare is deigned to cover several aspects of senior healthcare, but not all expenses. Without special additions, Medicare is not designed to cover long-term in-home care or most nursing home care. Medicare typically operates based on a fee-for-service model.

In some locations, individuals may also enroll in HMOs and similar types of prepaid health plans. To learn more information, order a free copy of the Medicare Handbook from, call your local Social Security office, or speak with an insurance agent.

Part A: Hospital Insurance

Part A includes inpatient stays in a hospital, care received in a skilled nursing facility, hospice care, and some home health care. Generally, you won’t need to pay a monthly premium if you or your spouse paid Medicare taxes during employment. Those who aren’t eligible for premium-free Part A can buy it and pay a monthly premium.

Part B: Medical Insurance

Part B includes certain services provided by doctors and other providers, medical supplies and devices, outpatient care, and some preventive health services and home health care. Most people with Part B will pay a monthly premium. If you want coverage to fill in gaps of Original Medicare, you may have the option to purchase Medigap, or Medical Supplement Insurance from a private company.

Part C: Medicare Advantage

Part C is a type of plan that’s offered by a private insurance company that contracts with Medicare to provide individuals with all the benefits that are included in Part A and Part B coverage. Part D may also be included, with extra benefits or services available for an extra cost.

Part D: Prescription Drugs

Part D can help to lower prescription drug costs, as well as help protect prices from rising in the future. This coverage is offered to certain Medicare plans by insurance companies and private companies that have been approved by the Medicare program.

If you need help navigating Medicare, call the team at Murray Insurance today.

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