Basic explanation of Medicare benefits and what you can expect when you turn 65.

1. Medicare Basics
What you need to know when you turn 65
Medicare Supplement Plans Medicare Supplement Quotes Medicare Supplement Insurance

2. What is
Medicare?
• Medicare is health insurance for
people 65 and older.
• Also for people with certain
disabilities or end stage renal disease
of any age.
• Medicare has several components -
Part A, Part B, Part C, and Part D

3. Medicare Part A
• Also called Hospital Insurance
• Covers inpatient care
including critical care
facilities, inpatient rehab, and
skilled nursing facilities.
• Also includes hospice and
home health care services.

4. Medicare Part B
• Also called Medical Insurance
• Covers doctor’s services and outpatient
care.
• Helps cover some preventive services but
not all.
• Generally pays 80% of the Medicare
Approved amount for covered services.

5. Medicare Part C
• Also called a Medicare Advantage plan
• A way to get medicare benefits through a
private insurance company approved by a
contract with Medicare.
• Usually has network restrictions, co-
pays, and deductibles for services and
care.

6. Medicare Part D
• Called Prescription Drug Coverage
• Run by private companies approved by
medicare.
• Helps cover the cost of prescription drugs.
• Each plan from each company varies in
cost and drugs covered.

7. What is NOT covered
by Part A and Part B
• Prescription drugs - more about part D
later
• Long term care after 120 days in
hospital
• Charges above 80% of what Medicare
allows
• Foreign travel emergency care
• $150 deductible for Part B (2010)

8. Can I just buy a Medicare Advantage
plan and get everything covered?
• In some cases an Advantage Plan makes sense
- you just need the facts.
• Advantage plans use networks - for coverage to
work your provider must be in network.
• Advantage plans have co-pays and deductibles.
That is why the premiums are lower but could
end up costing you more...
• Once you are in a plans you CAN NOT change
until open enrollment - even if you don’t like it.

9. What do you recommend
to cover the “gaps”
• Medicare Supplement Plans
• The right plan will cover 100% of all doctor,
specialist, and hospital expenses you incur.
• There are no restrictive networks - go to any
doctor or hospital that accepts Medicare.
• You can choose to buy another plan anytime
if you wish*
* In most cases you will have to qualify health-wise. We do have several options without health restrictions.

10. How to get
a Medicare
Supplement quote
• Call at 800-804-4212 or go to
www.medicarebenefitsdirect.com
• Give us your date of birth and zip code.
• That’s it!! We will provide you with the best
plan and the absolute best price for you.

11. 800-804-4212
Call us today!
Or visit
www.MedicareBenefitsDirect.com