Notes

Which type of coverage is provided for people age 65?

For people aged 65 and older in the United States, the primary health coverage option available is Medicare. Medicare is a federal health insurance program that provides coverage for various medical services and supplies. It consists of different parts that cover different aspects of healthcare:

1. Medicare Part A (Hospital Insurance): Part A helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home healthcare services.

2. Medicare Part B (Medical Insurance): Part B helps cover medically necessary services and supplies, such as doctor visits, preventive services, outpatient care, and durable medical equipment.

3. Medicare Part C (Medicare Advantage): Part C allows individuals to receive their Medicare benefits through private health insurance plans approved by Medicare. These plans, offered by private insurance companies, often include additional benefits beyond what is provided by Original Medicare (Part A and Part B).

4. Medicare Part D (Prescription Drug Coverage): Part D helps cover the cost of prescription drugs. Medicare age is offered through private insurance companies that are approved by Medicare.

Additionally, Medicare beneficiaries have the option to purchase supplemental coverage called Medigap plans, which are designed to help cover costs that Medicare Parts A and B don't cover, such as deductibles, copayments, and coinsurance.

It's important for individuals approaching the age of 65 to understand the various parts of Medicare, enrollment periods, and coverage options available to make informed decisions about their healthcare coverage.


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