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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:

Hospital 

Insurance

(Part A)

 

Helps cover:

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

Medical 

Insurance

(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

Medicare 

Advantage

(Part C)

 

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

  • Vision services
  • Hearing services
  • Dental services

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. Contact one of our Bell Insurance experts today.

 

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Join Us for a Free Medicare Seminar

Join Bell Insurance for a free informational seminar every third Wednesday of the month. Learn about the basics of Medicare, and what you need to know to successfully navigate open enrollment. No registration is required, and cookies and coffee will be served. 

 

Where: Bell Insurance, 15 Broadway, Fargo (across the street from the Old Broadway). Street parking is available in front of the building.

 

When: The third Wednesday of every month at 10:00 a.m.

  • Spring: April 16, May 21
  • Summer: June 18, July 16, August 20
  • Fall: September 17

Currently we represent 10 organizations which offer 44 products in your area. You can always contact medicare.govundefined, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) for help with plan choices.

 

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.