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                                                                 MEDICARE

What is Medicare?
Medicare is a federal health insurance program for:
-        people age 65 or older
-        people under 65 with certain disabilities
-        people of all ages with End-Stage Renal Disease

There are 4 parts to Medicare:
-        Part A (Hospital Insurance)
-        Part B (Medical Insurance)
-        Part C        (Medicare Advantage Plans)
-        Part D (Prescription Drug Coverage – new on 1/1/06)

What is a Medigap policy?
A Medigap policy (also known as a Medicare Supplement) helps you pay for some of the costs
(or gaps) that Original Medicare does not pay for.

What is a Medicare Advantage Plan?
A Medicare Advantage Plan (also known as a Medicare HMO plan) gives people the option to
get their Medicare covered services through a privately administered company such as an
HMO, PPO or POS. A Medicare Advantage Plan covers the same or better than Original
Medicare.

If you would like a quote or more information, please e-mail me or call me.
Mary Pena
Tel (909) 982-0285
mary@penainsurance.net