United States Coverage

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The most common source of medical care and health services for seniors in the United States is Medicare. Medicare is a federal health insurance program that covers almost all Americans over the age of 65 for a large share of their medical expenses including hospitalizations, doctors' bills, x-rays and therapies.

However, depending on what an individual signed up for, some health care services may not be covered. For example, home care or hospice care may not be covered unless a person purchased Part A. Parts B, C and D each cover various segments of health including preventative measures and prescription drugs. However, in most cases, supplemental insurance is required to cover gaps.

Here are a number of online resources where you can direct your patients to learn more about their U.S. Medicare coverage:

U.S. Federal Government:

  • Medicare is health insurance for people 65 or older, people under 65 with certain disabilities, people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).
  • Medicaid is a program often confused with Medicare because they are both health care programs. But Medicaid is a "means tested" welfare program designed to help the poor of all ages, including the elderly.
  • The Center for Medicare and Medicaid Services is the government agency that administers the Medicare Program and works with the states to administer the Medicaid Program.

Independent U.S.-based Resources:

  • The Medicare Rights Center is a national, nonprofit consumer service organization that helps people with Medicare understand their rights and benefits.
  • The Patient Advocate Foundation is a liaison between patients and their insurer to resolve insurance and other matters relating to a patient's condition.
  • Benefits Check-up is a service of the National Council on the Aging and helps people over the age of 55 find federal, state and local programs, both public and private, that may pay for some of their medical and/or prescription drug costs.

Note: You can also find additional insurance information on our resources page.