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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, under 65 with disabilities, or anyone with end-stage-renal disease (ESRD). 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.