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Medicare Explained

Keep reading Medicare explained below or click for your FREE no-obligation consultation.

What is Medicare?

Medicare is a federally tax-funded health insurance program for seniors ages 65 and up.

The word “coverage” will often appear when reading about Medicare. Coverage refers to the medical services, the costs for coinsurance, and copayments that Medicare pays.



Medicare coverage is divided into subcategories called “Parts,” and each one is purchased separately. The Parts are A, B, C, and D. Each part has a different premium. Keep reading to learn more about how each part helps you cover your medical costs.

Medicare Part A covers inpatient services.
• Hospital Visits
• Overnight Admissions
• Patient Meals
• Hospice Care
• Skilled Nursing Facilities

Medicare Part B covers outpatient care or any medical treatments you would get outside of an emergency room, hospice center, or skilled nursing facility.

• Wellness Visits
• Medicare Part B coverage
• Chemotherapy
• X-rays
• Cancer screenings
• Lab tests

Medicare Part C, which is more often referred to as “Medicare Advantage,” is a combination of Medicare Parts A, B, and D.

Medicare Advantage is sold via private insurance. It features inpatient (Part A), outpatient (Part B), and prescription drug (Part D) coverage together.

Part D reduces prescription medication costs, but only for select medications in specific categories outlined in the “formulary.” The formulary must cover at least two medications in each of the six medication categories.
Part D categories are:

• Antidepressants
• Anticonvulsants
• Anticancer
• Immunosuppressants
• Medications for HIV/AIDS
• Antipsychotics

What Medicare Part D does NOT cover
• Benzodiazepines
• Barbiturates
• Medications taken for cosmetic reasons
• Flu medications

Get The Right Medicare Plan Today

Dale Wondisford


15 Years experience helping hundreds of families get the best insurance policy to meet their needs.


Fill out the form to get your questions answered by Dale Wondisford wih a FREE no-obligation consulation.

laina roy
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I have had the opportunity to have meet Dale approximately 7 years now. I have never had someone take the time to check what’s the best way to insure myself. He does a very in depth review of what was going on with health issues and the medications, in order to place me with an insurance that’s going to save on my costs
Mark Poff
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Dale is very knowledgeable and experienced working with the many offered medicare plans finding the best plan that benefits his clients which he did for my wife and I. I highly recommend Dale as I totally respect his judgement of which plan is best for the client.
Richard Hibbard
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Dale is really helpful he will get you a answer to any questions you may have. He even got on a three way call so we could hear what was going on. He always returns your call promptly. Dale is very knowledgeable about all types of insurance. Very friendly and no pressure tactics to buy. Would highly recommend Dale.