Medicare Insurance

Basics of Medicare Insurance

Medicare is a federal health insurance program for individuals age 65 and older (and others with special exemptions).
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There are four main parts to Medicare:

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    (Part A)

    Helps cover:

    • Inpatient care in hospitals
    • Skilled nursing facility care
    • Home health care

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    (Part B)

    Helps cover:

    • Services from doctors and other health care providers
    • Outpatient care
    • Durable medical equipment
    • Many preventative services like screenings, shots, vaccines and annual wellness visits

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    (Part C)

    Medicare Advantage bundles Part A, Part B and usually Part D, and may also cover:

    • Vision services
    • Hearing services
    • Dental services

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    Prescription Drug Insurance

    (Part D)

    Helps cover the cost of:

    • Prescription drugs
    • Many shots and vaccines

There are two main Medicare coverage options:

Original Medicare

Includes both Part A and Part B (with the option to join Part D separately) and covers most, but not all, of the costs for approved health care services and supplies.

Medicare Advantage

May offer extra benefits that Original Medicare doesn’t cover such as vision, hearing and dental services.

Get Your Medicare Questions Answered

Medicare can be complicated, and whether you're enrolling for the first time or need to make changes during open enrollment, Bell Insurance can help. Attend one of our free informational seminars in Fargo, Moorhead, Wahpeton or Detroit Lakes, or contact one of Bell’s Medicare experts today!

We do not offer every plan available in your area. Currently we represent 11 organizations which offer 56 products in your area. Please visit, or contact 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all your options.

Bell Insurance Services, LLC is a wholly owned subsidiary of Bell Bank. Products and services offered through Bell Insurance are: Not FDIC Insured | No Bank Guarantee | May Lose Value | Not A Deposit | Not Insured by Any Federal Government Agency.