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The better you understand Medicare, the easier it is to choose the plan that’s right for you.
Senior Reserve Group (SRG) is a small, local Medicare insurance broker based in Englewood Cliffs, New Jersey. We provide seniors in our service area* with free information and guidance on Medicare policies and enrollment. We’ve put together the following to help you better understand Medicare and how it all works.
*Service Area includes Connecticut, Delaware, Florida, Louisiana, Maryland, New Hampshire, New Jersey, New York, Ohio, and South Carolina
Original Medicare is the traditional fee-for-service health plan provided to seniors by the Centers for Medicare and Medicaid Services.
Medicare Part A is your hospital insurance. It covers care at hospitals and skilled nursing facilities.
Medicare Part B is your medical insurance. It covers things like doctor visits and labs.
Both parts A and B have high deductibles and coinsurance, which is why most people with Original Medicare also purchase a Medicare supplement called a Medigap policy.
To learn more about Medigap Insurance check out our handy guides:
Medicare Part C allows you to purchase your Medicare-covered health benefits from a private insurance company. These policies are called Medicare Advantage Plans and they bundle inpatient care, outpatient care, and, in many cases, prescription drug coverage together into a single plan. When you enroll in Medicare Part C you are not allowed to purchase a separate Medigap plan.
For more information on Medicare Advantage Plans please read our guide:
Medicare Part D provides your prescription drug coverage. If you have Original Medicare you will purchase your Part D coverage from a private insurance company. If you have a Medicare Advantage Plan, your Part D coverage may be included with that plan.
For more information about Medicare Part D please read:
Still not sure what Medicare option is right for you?
Sign up for a free Medicare Planning Session and we’ll help you better understand your options so you can confidently make your selection.