Book of Medicare | Your Comprehensive Guide to Medicare

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Navigating Medicare Made Easy

Understanding the Different Parts

Medicare is divided into Parts each covering different aspects of healthcare (hospital insurance, medical insurance, Medicare Advantage, and prescription drugs, respectively). Understanding the coverage and benefits of each part can be confusing.

Estimating Out-of-Pocket Costs

Calculating and predicting out-of-pocket expenses, including premiums, deductibles, copayments, and coinsurance, can be challenging.

Confusing Terminology

Terms like “donut hole,” “formulary,” “copayment,” and “coinsurance” can be difficult to understand, leading to misinformed decisions.

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My wife is an independent insurance broker. After meeting the author at an event in Seattle, she purchased the book. It completely simplifies how Medicare works and now she uses it to explain Medicare to her clients.

The book contains simple stories and examples and makes use of regular life to show where different plans benefit different people in different ways. It also shows why having someone who knows about these differences to help you along the way is so important. One size does not fit all and that gets illustrated in this book.

I just got a job in Medicare. I am very new to this field . Reading this book boosted my confidence and explained Medicare in away it grasped my attention. I love the book I can’t put it down. I’m really starting to love Medicare now.

Carter Gray

Carter Gray is one of the Managing Principals of Pacific Insurance Group in Bellevue, Washington. He has a Bachelor of Arts degree in English literature from the University of Washington and has been licensed in the insurance industry since 2000, helping thousands of clients with their insurance journey.

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Understanding how Medicare works, the coverage and benefits of each part can be confusing.

Medicare Part A

Original Medicare Part A, provides coverage for medically necessary:

Inpatient hospital care
Skilled nursing facility care
Home healthcare services

Acute care
Rehabilitation care
Skilled long-term care
Hospice care

Medicare Part B

Original Medicare Part B, provides 80 percent coverage for a wide range of medically necessary services and supplies, including:

Preventive care services
Outpatient care
Primary care physician visits

Durable medical equipment
Mental healthcare
Laboratory tests
X-rays and other diagnostic tests

Medicare Part C

Medicare Part C, also known as Medicare Advantage Plans, are Medicare health plans offered by private insurance companies. These plans typically combine the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance) with prescription drug coverage, all in one plan, which is then an MAPD plan.

Medicare Part D

Medicare Part D, helps cover the cost of prescription drugs; it is offered by private insurance companies.

Medicare Part D premiums are paid directly to the private insurance company.
Medicare Part D does not cover all prescription drugs, and it does not cover drugs that are NOT medically necessary.
Plans change every year, so it is wise to seek out a local insurance agent .

Medicare Supplement

Medicare Supplement Plans, also known as Medigap Plans, are a type of insurance which help cover the gaps not covered by Original Medicare. These costs include Part A and B deductibles, copayments, and coinsurance.

Medicare supplement plans are federally regulated standardized plans, which means they must follow certain rules set by the federal government.

Medicare Part A

Original Medicare Part A, provides coverage for medically necessary:

Inpatient hospital care
Skilled nursing facility care
Home healthcare services
Acute care Hospice care
Rehabilitation care
Skilled long-term care

Medicare Part B

Original Medicare Part A, provides coverage for medically necessary:

Inpatient hospital care
Skilled nursing facility care
Home healthcare services
Acute care Hospice care
Rehabilitation care
Skilled long-term care

Medicare Part C

Original Medicare Part A, provides coverage for medically necessary:

Inpatient hospital care
Skilled nursing facility care
Home healthcare services
Acute care Hospice care
Rehabilitation care
Skilled long-term care

Medicare Part D

Original Medicare Part A, provides coverage for medically necessary:

Inpatient hospital care
Skilled nursing facility care
Home healthcare services
Acute care Hospice care
Rehabilitation care
Skilled long-term care

Medicare Supplement

Original Medicare Part A, provides coverage for medically necessary:

Inpatient hospital care
Skilled nursing facility care
Home healthcare services
Acute care Hospice care
Rehabilitation care
Skilled long-term care

Frequently Asked Questions

What is Original Medicare?

Original Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD). It consists of Part A (Hospital Insurance) and Part B (Medical Insurance).

What are Medicare Advantage Plans?

Medicare Advantage Plans, also known as Part C, are an alternative way to get your Medicare benefits. These plans are offered by private companies approved by Medicare and must provide at least the same benefits as Original Medicare, but may offer additional benefits such as vision, hearing, and dental coverage.

How does Medicare Part D work?

Medicare Part D is prescription drug coverage offered by private insurance companies approved by Medicare. It helps cover the cost of prescription drugs and may help lower your drug costs and protect against higher costs in the future.

What is Medigap?

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Medigap policies can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles.

All Your Medicare Answers in One Place

Download our free comprehensive guide and get answers to all your Medicare questions.

Navigating Medicare Made Easy

Understanding the Different Parts

Estimating Out-of-Pocket Costs

Confusing Terminology

Get Personalized Medicare Guidance

Don’t take our word for it.
Trust our customers

Daryl Little

Mark

QueenCaramel

Carter Gray

Upcoming Webinar

Join us on October 1st for an exclusive webinar hosted by Carter Gray. Don't miss this opportunity to gain valuable insights on Medicare Part D 2025.

The eBook That’s Transformed 10k+ Lives Already

Essential Reads Inside Our Book

Frequently Asked Questions

What is Original Medicare?

What are Medicare Advantage Plans?

How does Medicare Part D work?

What is Medigap?

All Your Medicare Answers in One Place

Download our free comprehensive guide and get answers to all your Medicare questions.

Navigating Medicare Made Easy

Understanding the Different Parts

Estimating Out-of-Pocket Costs

Confusing Terminology

Get Personalized Medicare Guidance

Don’t take our word for it. Trust our customers

Daryl Little

Mark

QueenCaramel

Carter Gray

Upcoming Webinar

Join us on October 1st for an exclusive webinar hosted by Carter Gray. Don't miss this opportunity to gain valuable insights on Medicare Part D 2025.

The eBook That’s Transformed 10k+ Lives Already

Essential Reads Inside Our Book

Frequently Asked Questions

What is Original Medicare?

What are Medicare Advantage Plans?

How does Medicare Part D work?

What is Medigap?

Think You Know Medicare?

Don’t take our word for it.
Trust our customers