What Is Medicare?

Medicare is offered by the federal government as a health insurance program for people who are 65 or older, certain people with disabilities, (having SSD for more than 24 months) and people with End-Stage Renal Disease (permanent kidney failure requiring
dialysis or a transplant, sometimes called ESRD).

Medicare 101 Basics

Medicare Part A (Hospital Insurance)

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

Medicare Part B (Medical Insurance)

  • Covers certain doctors’ services, labs and X-Rays, surgeons, ambulance, medical supplies, outpatient care and preventive
    services.

Medicare Part C (Medicare Advantage Plans)

  • Offered by a private Insurance company that contracts with Medicare to provide you with all your Part A and Part B benefits.
  • Medicare Advantage Plans (Also known as Part C of Medicare) include (HMO) Health Maintenance Organizations, (PPO) Preferred Provider Organizations, (PFFS) Private Fee-for-Service Plans, (SNP) Special Needs Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare.
    Most all the Medicare Advantage Plans we offer in Salem and Portland areas have prescription drug coverage enclouded.

Medicare Part D (prescription drug coverage)

  • Part D adds prescription drug coverage to Original Medicare. These plans are offered by Private Insurance companies
    throughout Oregon. Some of our Oregon Medicare Advantage Plans may also offer prescription drug coverage that follows
    the same rules as Medicare Prescription Drug Plans.

Not sure what kind of coverage you have?

  1. Check your red, white, and blue Medicare card.
  2. Check all other insurance cards that you use. Contact the Lakeberg Group Inc. to help you navigate your health care – 503-737-4081

More information can be obtained from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed local Salem medicare expert who can discuss medicare advantage, drug plans, and supplemental coverage options with you.