Medicare

What is Medicare?

At Verdisure, one of the most common questions we hear is: “What exactly is Medicare — and what about Medigap?” Because these are such important topics, we’ve dedicated this page to give you a simple, straightforward overview.

Medicare can feel overwhelming at first, but don’t worry — we’re here to break it down and guide you through every step. And if you ever have questions, our licensed agents are only a phone call away.

The Basics of Medicare

Medicare is a federal health insurance program made up of different “parts.”

Part A (Hospital Insurance): Most people don’t pay a premium for Part A because it’s funded through Medicare taxes you paid while working.
Part B (Medical Insurance): Part B requires a monthly premium. The standard amount is adjusted annually and can vary depending on your income.

While Medicare Parts A and B provide essential coverage, they don’t cover everything. You’re still responsible for deductibles, copays, and coinsurance — which can add up quickly. That’s why most people look for additional coverage.

What is Medigap?

Medigap, also called Medicare Supplement Insurance, is designed to fill the “gaps” left by Original Medicare (Parts A and B). These plans help cover out-of-pocket costs, so you can predict your healthcare expenses more easily.

Plan F has traditionally been the most comprehensive, covering nearly all remaining costs.
Plan G has become one of the most popular choices because it offers strong coverage at a lower monthly premium.

Prescription drug coverage isn’t included in Medigap. That’s where Part D comes in — a separate plan that specifically covers medications.

Who Qualifies for Medicare?

Medicare is available to:

Individuals 65 or older
People under 65 with qualifying disabilities
Individuals of any age with End-Stage Renal Disease (ESRD) requiring dialysis or a kidney transplant

At Verdisure, our mission is to make Medicare simple. We compare plans, explain your options, and help you choose coverage that fits your needs and budget.

The Different Parts of Medicare

Part A: Hospital Coverage

Part A is often called your hospital insurance. It helps pay for:

Inpatient stays at hospitals
Care in skilled nursing facilities
Hospice services
Certain types of home health care

If you or your spouse paid Medicare taxes during your working years, you’ll likely qualify for premium-free Part A. If not, you may still enroll, but you’ll pay a monthly premium.

Part B: Medical Coverage

Part B is designed to cover routine and preventive care, such as:

Doctor visits and outpatient services
Screenings, vaccines, and preventive care
Medical equipment like walkers or wheelchairs
Some home health services

Most people pay a monthly premium for Part B, and the exact cost can depend on your income. Because Original Medicare (Parts A and B) doesn’t cover everything, many beneficiaries add a Medicare Supplement (Medigap) plan to reduce out-of-pocket expenses.

Part C: Medicare Advantage

Medicare Advantage, also known as Part C, is offered through private insurance companies that are approved by Medicare. These plans combine your hospital and medical coverage, and often include:

Prescription drug benefits (built-in Part D)
Extras like dental, vision, or hearing care
Care coordination under a single plan

For people who prefer an all-in-one package with additional perks, Medicare Advantage can be an attractive option.

Part D: Prescription Drug Coverage

Part D is specifically for prescription medications. These plans are:

Managed by private insurance companies under Medicare’s guidelines
Designed to lower the cost of prescriptions
A safeguard against rising drug costs over time

If your income is limited, you may qualify for extra assistance to help pay for your medications.

Medicaid

Medicaid is a state and federal program that provides additional health coverage for people with low income and resources. Depending on where you live, Medicaid may cover services Medicare doesn’t, such as:

Long-term care and daily support services
Prenatal and maternity care
Mental health treatment
Vision and dental care (especially for children)

Eligibility rules are different in every state, but you may qualify if you’re 65 or older, living with a disability, pregnant, or supporting children — even if you’ve been denied in the past.

Dual Eligibility Some individuals qualify for both Medicare and Medicaid. Known as dual eligibles, these beneficiaries often have the majority of their healthcare expenses fully covered, including hospital stays, doctor visits, and prescription medications. Medicaid may also provide services that Medicare doesn’t.

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September 10, 2025 | by Vedisur

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