Medicare is health insurance for:

• Individuals age 65 or older.
• Individuals 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.

Medicare regulations apply to different people in different ways according to their specific circumstance. We provide accurate information you need to plan, so you can avoid costly pitfalls and make confident choices.

Prescription drug coverage, often included in Medicare Advantage plans through Medicare Part D, is essential for managing your medication costs. These plans help cover the cost of both brand-name and generic medications, reducing the burden of out-of-pocket expenses. When choosing a plan, it’s important to review the formulary (the list of covered drugs) to ensure your medications are included. Look for plans that offer affordable copays or coinsurance for the medications you take regularly, and consider future needs based on your health history.

Dental coverage, another valuable feature often included in Medicare Advantage plans, covers routine preventive care like cleanings, exams, and x-rays, as well as more advanced treatments like fillings, crowns, and dentures. Regular dental care is key to maintaining not only oral health but also overall wellness. When reviewing plans, check the specifics of the dental benefits offered—some may have annual maximums or limited provider networks, so ensure that your preferred dentist and necessary treatments are covered.