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The Health Insurance Marketplaces were created by the Affordable Care Act, also known as the ACA. The Marketplaces allow people to buy insurance if they do not have insurance or if they need more insurance. You can access the Marketplace online or over the phone. Some states have their own Marketplaces, and other states use the federal Marketplace to provide coverage. Plans sold through Marketplaces are also known as Qualified Health Plans, or QHPs. Many people who have a Marketplace plan get cost assistance in the form of tax credits, which lower the plan’s monthly premium.

Some people have multiple types of health insurance, so it is important to know that Medicare coverage works differently with other kinds of insurance. This article reviews how Medicare works with two kinds of military benefits—TRICARE and Veterans Affairs benefits

Medicare Part D, the prescription drug benefit, is the part of Medicare that covers most outpatient prescription drugs. Part D is offered through private companies either as a stand-alone prescription drug plan for those enrolled in Original Medicare or as a set of benefits included with your Medicare Advantage Plan. Sometimes a plan’s premium increases or the plan does not cover your new medications. In this blog post we’ll discuss how you can choose and enroll in a new plan for your Medicare Part D prescription drug benefit.

It is important to understand your Medicare coverage choices and to pick your coverage carefully. Here we’ll look at one important choice—choosing between Original Medicare and a Medicare Advantage Plan.

When Medicare benefits were created in 1965, they reflected the restrictions and limitations of most health insurance at that time. The federal law that created Medicare has specific provisions that exclude coverage for certain things, like dental care and routine vision services. Long-term care services are additionally excluded because they do not meet the definition of health care services in the law. Just because something is not covered by Medicare, though, does not mean that it isn’t needed. As we discuss some types of care that Medicare doesn’t cover, we will include information about other ways of accessing or paying for these services.

Hospice is a program of end-of-life pain management and comfort care for those with a terminal illness. In this blog about Medicare-covered hospice, we write directly to patients as if they are the ones taking these actions or making these decisions. However, discussions about hospice often involve caregivers and family members as well. If you are a caregiver, family member, or a patient’s appointed representative, you may be leading these conversations or decisions, rather than the patient.

This blog post reviews state programs that help eligible people with their Medicare costs. They are called Medicare Savings Programs (MSPs) and are also known as Medicare Buy-In programs.

Things don’t always go according to plan. When unforeseen challenges or mistakes occur with your Medicare, it is helpful to know where to voice your concerns and who can help.

Preventive care is care you receive to prevent illness, detect medical conditions, and keep you healthy. A service is considered preventive if you have no prior symptoms of the disease. In contrast, diagnostic services address symptoms or conditions that you already have.

Deciding if and when to enroll in the various parts of Medicare, when you are first eligible, is an important choice. In this blog post we will explain how to make informed Medicare enrollment decisions and avoid penalties or gaps in coverage.