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Medicare is the US Federal Government’s health insurance program for people age 65 and older, certain younger people with disabilities and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)

Typically, Medicare covers 80% of your expenses, and for most procedures leaves you responsible with paying the additional 20% of out-of-pocket costs.

Medicare also has coinsurance, copayments, or deductibles. For example, the standard initial Medicare Part A Hospital Insurance Deductible is $1,340 for each sixty (60) day benefit period (in 2018).

For these reasons, most people on Medicare decide to purchase a Medicare Supplement Plan to help cover the costs that Medicare doesn’t.


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