Navigating Medicare

Part A (aka, "Original Medicare")

Covers hospital treatment costs. In most cases there’s no premium payment, but recipients pay a deductible and also pay some coinsurance depending upon their medical treatments throughout the year.

Part B

Covers medical treatments outside of hospitals. Part B has an annual premium that is dependent on the recipient’s income and Social Security benefits. Recipients also pay a deductible and coinsurance.

Part C (aka, "Medicare Advantage")

Medicare recipients can also opt to take out a Medicare Advantage plan—sometimes called Part C. Typically this is a Medicare plan offered by a private company that contracts with Medicare to provide the usual Medicare Parts A and B benefits, as well as any additional coverage offered through that plan. Some options include Part D (prescriptions). And some Medicare Advantage plans even include additional benefits such as vision, hearing and dental coverage and even fitness programs. An Advantage plan can help you to streamline your benefits but still stay within budget.

Part D

Medicare Part D covers the costs of prescription drugs.

This is not an advertisement on behalf of any specific Medicare Advantage health plan or plans. If you require additional information about Medicare, please feel free to visit or call 1-800-MEDICARE (1-800-633-4227) 24 hours a day, seven days a week.

Kamm Insurance Group is an independent agent broker. We are happy to walk you through your medicare options. As an independent agent, we shop the plan options for you. We work for you, not an insurance company.