Medicare
Medicare is federal health coverage for people who are generally 65 or older, and for some younger people with qualifying conditions. Part A covers hospital care, Part B covers outpatient care, Part D covers prescriptions, and Part C, known as Medicare Advantage, bundles coverage through a private plan.
The main decision most people face is between Original Medicare with a Supplement plan and a Medicare Advantage plan. The trade-off is usually provider freedom against lower upfront cost.
Availability
Hire Best Pros is not connecting people with medicare professionals yet. This page is here as background reading while we work on it. Everything we do cover today is listed in our service directory.
What people usually need
- First-time enrollment around age 65
- Choosing between Advantage and Supplement
- Adding prescription drug coverage
- Changing plans during annual enrollment
- Coordinating Medicare with employer coverage
What to weigh before hiring
Enrollment timing
Enrolling late without qualifying coverage can create permanent penalties on some parts. Confirm your window before deferring.
Supplement plans are easiest to buy early
Medical underwriting rules for Supplement plans are generally most favorable during the initial enrollment window.
Advantage plans use networks
Advantage plans often include extra benefits but restrict providers and may require referrals. Check that your doctors participate.
Common questions
- Can I change plans later?
- Advantage and Part D plans can generally be changed during annual enrollment. Moving to a Supplement plan later may involve health underwriting depending on the state.
- Does Medicare cover long-term care?
- Only limited skilled nursing in specific circumstances. Extended custodial care is generally not covered.