Fundamentos de Medicare
¿Cómo funciona Medicare?
Once you know the basics, Medicare becomes easier to understand. Learn about the fundamentals to get a better understanding of what you can expect from your Medicare coverage with BCBSIL.
Medicare es un programa de seguro médico nacional administrado por el gobierno federal. No es parte del Mercado de Seguros Médicos.
Most Americans join Medicare at age 65. Younger people can also join if they have end-stage renal disease (ESRD) and need dialysis or a kidney transplant. It has four parts.
Las cuatro partes de Medicare
Medicare consta de cuatro partes. Each Medicare part (designated by a letter) covers specific types of services and costs.
Part A is insurance for hospital expenses
La Parte A ayuda a pagar:
- Servicios de hospitalización
- Atención en centros de enfermería especializada después de una hospitalización
- Algunos servicios de atención médica en el hogar y cuidados paliativos
Learn more about Medicare Part A
Part B is insurance for medical services
La Parte B ayuda a pagar:
- Consultas y servicios del médico
- Gran parte de la atención ambulatoria
- Cuidados de salud en el hogar
- Equipos médicos duraderos
- Muchos servicios de prevención
Learn more about Medicare Part B
Part C covers all the benefits of Part A and Part B with added benefits
Part C is also called Medicare Advantage. Part C is offered through private insurers approved by Medicare, such as Blue Cross and Blue Shield of Illinois.
Part C offers additional benefits, such as prescription drug coverage (Part D). Depending on the insurance plan, Part C may also include:
- Servicios dentales, para la audición y/o para la vista
- Programas de salud, bienestar y acondicionamiento físico
- Redes de profesionales de la salud que ayudan a administrar los costos
- A preloaded flexible spending card to help reduce your out-of-pocket expenses for covered dental, vision and hearing services
Más información sobre Medicare Parte C
Part D is prescription drug coverage
If you're looking for an insurance plan that helps you cover some out-of-pocket expenses for prescription drugs, like copays or coinsurance, consider a Part D plan. Part D is offered by private companies contracted by Medicare.
Más información sobre Medicare Parte D
Medicare Supplement complements Original Medicare
Medicare Supplement Insurance Plans are identified by the letters A, B, C, D, F, G, M and N. Each insurance plan covers different costs that Original Medicare doesn’t cover.
Learn more about Medicare Supplement Insurance
Herramientas y recursos
Helpful Tools and Resources
- Buscar médicos y hospitales
- Estimate Prescriptions & Find a Pharmacy
- Get Help from an Agent
- Free Medicare Booklet
