Urban Benefits Group

What is Medicare

Americans as well as other eligible individuals have access to the Medicare health insurance program, which has two parts, Part A and Part B.

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What’s Medicare?

Medicare is the federal health insurance program for: People who are 65 or older. Certain younger people with disabilities. People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) www.medicare.gov

Who is qualified for Medicare?

Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). www.hhs.gov

What are the parts of Medicare?

The different parts of Medicare help cover specific services. If you have any questions please feel free to contact us (847) 431-7347

A & B Premiums

Most people don’t pay a monthly premium for Part A.
If you don’t qualify for premium-free Part A, you can buy Part A.
Everyone pays a monthly premium for Part B.

Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)

Part B covers things like: Clinical research, Ambulance services, Durable medical equipment (DME), Mental health, Inpatient, Outpatient and Partial hospitalization.

Medicare Part C
(Medicare Advantage)

Most Medicare Advantage Plans offer coverage for things Original Medicare doesn’t cover, like some vision, hearing, dental, and fitness programs (like gym memberships or discounts).

Medicare Part D (Prescription Drugs)

Part D (Medicare drug coverage) helps cover cost of prescription drugs, may lower your costs and protect against higher costs.

Part C – Medicare Advantage

Have Questions?

“All-in-One” insurace: covers Parts A, B, & D

$0 to low cost plans beyond the Part B premium

Can include added benefits such as dental, vision, hearing, transportation, health club membership, over-the-county drug benefits and more.

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Covers hospitalizations, home health, skilled nursing facilities, ect.
$0 monltly premium
$1316 deductible per 60 day benefit period

Covers doctor visits, preventive services, ambulance, ER visits, outpatient procedures, durable medical equipment (DME), etc.
$134 monthly premium (typically)
$ 183 annual deductible
Covers 80% of allmedical costs

Presecrption drug coverage
$35 average montly preumium
deductibles and copays depend on plan selection

STILL HAVE QUESTIONS?

We Are Here To Help

Call Now: (847) 431-7347

We understand medicare and insurance can be complicated and confusing at times. We are here to help you understand the basics and plus all the options available. Please feel free to call us or fill out the contact form with any questions.