Riverside, California Medicare Advantage Plans

Medicare is a federal insurance program geared towards those 65 and older suffering from End-Stage Renal Disease or recieving disability insurance. Your medicare elgibility is dependent on three major factors age, health status, and work history.  Original Medicare consists of Part A and Part B.  Downlaod 2024 Medicare and You https://www.medicare.gov/publications/10050-Medicare-and-You.pdf

1. Medicare Part A (Hospital Insurance):

   • Covers inpatient hospital care.
   • Also includes coverage for skilled nursing facility care, hospice care, and some home health care services.

2. Medicare Part B (Medical Insurance):

   • Covers outpatient medical services like doctor visits, preventive services, lab tests, and durable medical equipment.
   • It also includes some outpatient prescription drugs like vaccines and medications administered in a clinical setting.
   • Cardiac Rehabilitation
   • Ambulance Services
   • Durable Medica Equipment
   • Kidney Dialysis Services and supplies
   • Physical Therapy

3. Medicare Part C (Medicare Advantage):

   • Offered by private insurance companies approved by Medicare.
   • Combines the benefits of Parts A and B.
   • Often includes additional benefits like prescription drug coverage (Part D), dental, vision, and hearing.
   • May require a separate premium in addition to the Part B premium.

4. Medicare Part D (Prescription Drug Coverage):

   • Provides prescription drug coverage through private plans.
   • Helps with the cost of prescription medications.
   • Available as a standalone plan (PDP) or as part of a Medicare Advantage plan (MA-PD).

5. Medicare Supplement Plans (Medigap):

   • Sold by private insurance companies to fill gaps in Original Medicare coverage (Parts A and B).
   • Helps pay for out-of-pocket costs like deductibles, copayments, and coinsurance.
   • Require a premium in additon to Part B.