Medicare is the Federal health insurance program for the following:

• People age 65 or older
• People under age 65 with certain disabilities
• People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)

The best source of information on the Medicare program is the Medicare Handbook - Medicare & You. This booklet explains how the Medicare program works and what your benefits are. To order a free copy, go to: www.medicare.gov. You also can contact your local Social Security office for information.

You need to shop carefully before deciding on the best policy to fit your needs. You may get another booklet, Your Medicare Benefits, to help you in making the right choice. To order a free copy, go to: www.medicare.gov.

Medicaid

Medicaid provides health care coverage for some low-income people who cannot afford it. This includes people who are eligible because they are aged, blind, or disabled or certain people in families with dependent children. Medicaid is a Federal program that is operated by the States, and each State decides who is eligible and the scope of health services offered.

General information on the Medicaid program is given in the Medicaid Fact Sheet. For a free copy, go to: www.medicare.gov. For specifics on Medicaid eligibility and the health services offered, contact your State Medicaid Program Office.

We can help you to better understand the laws, regulatory provisions, benefits and available plans that may change from one year to the next.  

For more information or to receive a quote, please click-on Medicare Quote