Steven Kohnle Medicare Insurance
Medicare is the federal health insurance program designed for:
  • Individuals aged 65 and older
  • Certain younger people with disabilities
  • Those with End-Stage Renal Disease (ESRD)

Parts of Medicare:

1. Medicare Part A (Hospital Insurance):

  • Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

2. Medicare Part B (Medical Insurance):

  • Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

3. Medicare Part D (Prescription Drug Coverage):

  • Helps cover the cost of prescription drugs, including recommended shots or vaccines.


  • Most people don’t pay a monthly premium for Part A.
  • Part B requires a standard monthly premium, with additional costs based on income.
  • Part D premiums vary, and costs depend on the chosen plan.

Enrollment Options:

  1. Original Medicare:
    • Includes Part A and Part B, with payment for services as you receive them.
    • Additional coverage can be obtained through Medigap policies.
  2. Medicare Advantage:
    • Offered by private companies, providing an alternative to Original Medicare.
    • “Bundled” plans include Part A, Part B, and often Part D, with potential extra benefits.
    • Yearly contracts and adherence to Medicare’s coverage rules.

Prescription Drug Coverage (Part D):

  • Join a Medicare-approved plan for drug coverage.
  • Varies in cost, covered drugs, and tiered formulary.
  • Monthly premiums and additional costs depend on the selected plan.

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