We help people every day with their Medicare Benefits. Medicare can be a confusing and scary subject for most. Here at 12 Stones Financial Services we strive to make the transition to Medicare less confusing and scary for you.

There are 4 main parts to Medicare in which our agents will help you understand and give you a peace of mind.

What's Medicare?

Medicare is the federal health insurance program for:

  • People who are 65 or older

  • Certain younger people with disabilities

  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

The different parts of Medicare help cover specific services:

Parts of Medicare

Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)  

Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

Medicare Part D (prescription drug coverage) 

Part D adds prescription drug coverage to:

  • Original Medicare

  • Some Medicare Cost Plans

  • Some Medicare Private-Fee-for-Service Plans

  • Medicare Medical Savings Account Plans

These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

“medicare.gov”