CMS (Centers for Medicare and Medicaid Services). This is the Government
body that regulates Medicare. For further assistance or questions, you can
contact Medicare at 1(800)Medicare(633-4227)or visit www.medicare.gov.

What is Medicare

Medicare is health insurance for: people age 65 and older, people under age
65 with certain disabilities, and anyone with End Stage Renal Disease.
Medicare provides coverage for: Part A (hospital insurance) and Part B
(medical insurance)

What is a Medicare Supplement Plan

Medicare Supplement plans (also called Medigap) are private health insurance
plans that are designed to work with or supplement Medicare. These plans are
sold by private insurance companies.

Why consider buying a Medicare Supplement

To cover coinsurance, copayments, and deductibles. To potentially have a
100% of your Medicare-approved health insurance costs covered, depending on
which plan they choose. Each Medicare supplement plan must cover the same
benefits. Only the price, underwriting, and customer service will vary from
company to company.

What is a Medicare Advantage Plan

These health plans (HMOs, PPOs, PFFS, SNP, and MSA plans) are run by private
insurance companies and approved by Medicare. These plans are an alternative
and actually pay in place of Medicare and differ in several ways. First, you
still must continue to pay your Medicare part B premium. You may have out of
pocket costs, cost sharing, provider networks, and these plans may or may
not include prescription coverage.

Why consider buying a Medicare Advantage Plan

Clients who want to keep monthly premiums low while still providing a cap on
health care costs. Medicare Advantage plans generally provide more benefits
than original Medicare. People who are in good health.

What is a Medicare Prescription Drug Plan

Medicare offers prescription drug coverage (Part D) for everyone with
Medicare. Medicare drug plans are run by private insurance companies and
approved by Medicare. Each plan can vary in cost and drugs covered. Medicare
drug plans can purchased separately or may be included with a Medicare
Advantage Plan.

What is Medicaid

Medicaid is a joint federal and state program designed to provide medical
care for people with limited income and assets. Medicaid can vary from state
to state.