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About Medicare

Learn the ABCs (and Ds) of Medicare

Before you choose the right Medicare plan for you, it’s important to understand the basics. The four parts of Medicare are called Part A, Part B, Part C, and Part D. Parts A and B are considered your Original (also called Traditional) Medicare. Part C, also referred to as Medicare Advantage, combines your Parts A and B and also offers services not covered by Original Medicare. Part D is prescription drug coverage, which you must either purchase to work alongside your Original Medicare or is often included in your Medicare Advantage plan at no additional cost. 

What Is Medicare?

Medicare was originally designed in 1965 to provide affordable medical coverage to older Americans. Simply put, it’s government-sponsored healthcare for people age 65 and over or under 65 with disabilities. Medicare began with Parts A and B but evolved in the 1980s with an influx of private Medicare plans that today are called Medicare Advantage plans (Part C).

Original Medicare (Parts A and B)

Medicare Part A covers inpatient hospital services and is free in most cases, and Part B covers outpatient services like doctor visits and has a monthly premium paid to Medicare. With original Medicare you can typically choose any doctor who accepts Medicare. However, there are some things that aren’t covered, such as routine vision and dental services and Part D prescription drug coverage.

Medicare Advantage (Part C)

Medicare Advantage plans combine your Medicare Parts A and B and offer additional coverage not covered by Original Medicare at affordable costs. 

With Medicare Advantage plans, such as KelseyCare Advantage:

  • Medicare Parts A and B coverage is included
  • No costly supplemental Medigap coverage is needed 
  • Routine vision coverage is often included 
  • Prescription drug coverage can be included at no additional cost 
  • There are typically no or low premiums 
  • Additional benefits, such as wellness programs, are commonly included 
  • Out-of-pocket costs have an annual maximum cap

Medicare Advantage plans, like those offered by KelseyCare Advantage, provide more coverage than Original Medicare at affordable prices and give you the peace of mind that you’re covered for the future. 

Always at Your Service

Call Member Services at at 713-442-CARE (2273) or toll-free at 1-800-535-8343 (TTY: 711) from 8 a.m. to 8 p.m., seven days a week, from October 1 to March 31 and 8 a.m. to 8 p.m., Monday through Friday, from April 1 to September 30.

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