What Medicare Covers

Getting Started with Medicare

Navigating through the maze that is Medicare can be frustrating and confusing. With Help Seniors Save, you no longer have to do this alone. We’re here to simplify the process for you.


Medicare is health insurance for people

  •  ages 65 or older,
  • under the ages of 65 with certain disabilities, and
  • any age person with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

It covers about 80% of health costs. Medicare is composed of 4 different parts:

Part A is Hospital Insurance and covers inpatient hospital care, skilled nursing facilities, hospice, and home health care.

Part B is Medical Insurance and covers services from doctors and other health practitioners, outpatient care, home health care, durable medical equipment and some preventive services.

Part C is Medicare Advantage. This is a separate form of Medicare run by Medicare-approved private insurance companies. It includes all benefits and services covered under Parts A & B.

Part D is the Medicare prescription drug coverage. It helps with cost of prescription drugs and is run by Medicare approved private insurance companies.

You will get Parts A & B automatically :

  • If you are already receiving benefits from Social Security or the Railroad Retirement Board;
  • If you’re under 65 and disabled;
  • If you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease).

You’ll have to sign up for Part A and/or Part B:

  • If you are close to 65 but not receiving Social Security or Railroad Retirement Board benefits;
  • If you have End-Stage Renal Disease.

Sign up for Medicare by calling Social Security at 1-800-772-1213 or go to www.socialsecurity.gov/retirement.

Control your Healthcare with Medigap Policies

Medicare Resources

What is Medigap (Medicare Supplement Insurance)?

Medigap policies supplement your Original Medicare benefits, which is why these policies are also called Medicare Supplement plans. Learn More >>

Medigap Plan Differences

Different Medigap policies have different benefits. Find out what you are responsible for. Learn More >>

Medigap vs Medicare Advantage

There are very big differences between these two types of insurance, although both are options for people with Medicare. Learn More >>

Official Medicare Materials

These booklets have the most important information about Medicare including how to choose the right Medicare Supplement plan. Learn More >>

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