Las Vegas, Nevada

Disclaimer: While we are passionate about educating people on Medicare, Just Medicare Advisors is currently only licensed in the state of Nevada to assist with policy placement.

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Medicare is divided into several different programs, or parts.

You will choose to enroll in either Original Medicare, which encompasses Parts A and B, or Medicare Part C (also called Medicare Advantage).

Medicare Part A

Medicare Part A is commonly considered hospitalization insurance. Part A covers costs related to:
• Inpatient care in a hospital
• Skilled nursing home care Inpatient care in a skilled nursing facility that is not custodial or long-term
• Hospice care
• Home health care

Medicare Part B

Medicare Part B provides for the rest of your non-hospitalization healthcare needs. Under Part B you receive coverage for:
• Medically necessary services such as doctor visits, tests, and other services as needed to diagnose or treat your condition
• Preventive services like routine screenings, check-ups, vaccinations, and more
• Clinical research
• Ambulance services
• Durable medical equipment
• Mental health services
• Limited outpatient prescription drugs

Together, Medicare Parts A and B are called Original Medicare.

Medicare Part C

Medicare Part C, or Medicare Advantage is designed to roll the coverage of Parts A and B into one plan, offered by a private health insurance company that contracts with Medicare.. By law, Advantage plans must offer at least the same coverage as Original Medicare. Other rules may differ, or the network might offer additional benefits. Many Advantage plans also include Part D, or prescription drug coverage.

Common types of Part C plans include:

• Health Maintenance Organization (HMO) plans
• Preferred Provider Organization (PPO) plans
• Private Fee-for-Service (PFFS) plans
• Special Needs Plans (SNPs)
• HMO Point of Service Plans (HMOPOS)
• Medicare Medical Savings Account (MMSA)

If you opt for a Part C plan

You will have the opportunity to compare plans, benefits, and rates each year during an Annual Election Period.

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Medicare Part D

Medicare Part D is offered via private insurance companies, and you have the ability to comparison shop and choose a plan that best suits your needs.

Medicare Part D is voluntary, meaning you can choose to opt into a plan or not. If you do enroll in Part D, you will be able to access retail prescription drugs at a more affordable rate, and enjoy protection against catastrophic costs in the event you need a very expensive medication.