A
Hospital Insurance
Helps cover inpatient hospital care, skilled nursing facility care, hospice and some home health care.
Medicare can feel complicated. We make it easier to understand.
Clear, local guidance to help you understand the parts of Medicare, your coverage choices and what matters before you enroll.
Medicare makes more sense when someone explains how the pieces fit together.
Medicare is federal health insurance for people age 65 and older and for some younger people with certain disabilities or conditions. The challenge is that enrolling is only the beginning. You also need to understand your coverage choices, timing, prescriptions, doctors and what you may pay along the way.
Why these choices matter
Your Medicare decisions can affect the doctors you use, how prescriptions are covered, what you pay out of pocket and which additional coverage options are available to you.
Timing matters. Some enrollment periods are limited and late enrollment can create penalties in certain situations.
Your details matter. Doctors, prescriptions, pharmacy preferences, travel and budget can all shape what coverage works best for you.
Plans can change. Reviewing coverage over time can help you understand whether it still fits your needs.
A quick official Medicare overview
This short video from the U.S. Centers for Medicare & Medicaid Services explains Parts A, B, C and D. It is the same official video featured by Medicare.gov.
View the Medicare.gov guideThe basic pieces of Medicare
You do not need to memorize the alphabet. Start by knowing what each part generally covers.
B
Medical Insurance
Helps cover doctor visits, outpatient care, preventive services, durable medical equipment and other medical services.
C
Medicare Advantage
A Medicare-approved private plan that provides Part A and Part B benefits and usually includes prescription drug coverage.
D
Prescription Drug Coverage
Helps pay for covered prescription medications. It can be purchased separately with Original Medicare or included in many Medicare Advantage plans.
Two main ways to receive Medicare coverage
Once you have Medicare, one of the biggest decisions is how you want to receive your coverage.
Original Medicare
Includes Part A and Part B. You can generally use any doctor or hospital that accepts Medicare. You may add a separate Part D plan and may be able to purchase Medicare Supplement insurance to help with certain out-of-pocket costs.
Medicare Advantage
An alternative to Original Medicare offered by Medicare-approved private insurers. Plans include Part A and Part B and usually Part D. Networks, costs, prior authorization rules and extra benefits can vary by plan.
How we can help
You do not have to compare plans, terminology and enrollment rules by yourself. We can help you understand what matters for your situation and walk through the options available through Downtown Insurance Solutions.
Understand
Get Medicare terminology, timelines and choices explained in plain language.
Compare
Look at plan differences with your doctors, prescriptions, pharmacy, travel and budget in mind.
Enroll
When you are ready, we can help with enrollment in plans available through Downtown Insurance Solutions.
Review
Have a local business to call later when questions come up or your coverage needs another look.
Questions about Medicare?
Contact Us
Start with a conversation and we’ll help you make sense of what comes next.
HAVE A QUESTION?
Start with a conversation.
Call or send a message. You do not have to figure out Medicare on your own.