Medicare Demystified: A Guide for Employees with Miranda from the HUB Medicare Team

The Benefits Beat

In this episode, Miranda from the HUB Medicare Team provides a comprehensive overview of Medicare, helping employees understand its complexities and benefits. She covers:

• What is Medicare?
  • An introduction to Medicare, the federal health insurance program primarily for individuals aged 65 and older, as well as certain younger people with disabilities.
• Who is Eligible?
  • Eligibility criteria for Medicare, including age, disability status, and specific health conditions.
  • Details on how to qualify and enroll in Medicare.
• Medicare Parts Explained:
  • Part A (Hospital Insurance):
    • Coverage details for inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.
  • Part B (Medical Insurance):
    • Information on coverage for outpatient care, doctor services, preventive services, and some home health care.
  • Part C (Medicare Advantage):
    • Explanation of Medicare Advantage Plans, an alternative to Original Medicare offered by private companies that contract with Medicare to provide Part A and Part B benefits, often including additional benefits like vision, dental, and prescription drug coverage.
  • Part D (Prescription Drug Coverage):
    • Overview of Part D, which helps cover the cost of prescription drugs. Explanation of how it works, the different plan options, and what to consider when choosing a Part D plan.

Tune in to gain valuable insights and practical tips to navigate Medicare confidently, whether for yourself or to assist others in understanding this essential health insurance program.