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Medicare
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Medicare is federal health insurance meant to “care” for people aged 65 and older, those who suffer from Chronic Kidney or End State Renal disease, ALS or Lou Gehrig’s Disease, and under certain circumstances those receiving Social Security Disability Benefits.
The 4 Parts of Medicare
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Medicare Part A: Hospital Coverage
Inpatient Hospital Care:
This includes all care you receive after being admitted into a hospital by a physician. Medicare covers up to 90 days each benefit period in a general hospital. In addition, you receive 60 lifetime reserve days. It also covers up to 190 lifetime days in a Medicare-certified psychiatric hospital.
Skilled Nursing Facility Care:
Medicare covers your room, board, and certain services provided in a skilled nursing facility. This includes medications, tube feedings, and wound care. It covers up to 100 days each benefit period. To qualify, you must have spent at least three consecutive days in the hospital within 30 days of admission to a skilled nursing facility and must have needed skilled nursing or therapy services.
Home Health Care:
Though it is normally covered by Part B, Part A coverage will kick in if you have spent at least three consecutive days as a hospital inpatient within 14 days of receiving home care. Up to 100 days of daily care are covered or an unlimited amount of intermittent care.
Hospice Care:
Hospice care is covered for as long as your provider certifies it is necessary.
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Medicare Part B: Medical Coverage
Provider Services:
Services deemed medically necessary are covered under Part B.
Durable Medical Equipment:
Equipment that serves a medical purpose, able to withstand repeated use, and appropriate for home use, is covered.
Home Health Services:
If you are homebound and need skilled nursing or therapy care, you’re covered under Part B.
Ambulance Services:
If you are homebound and need skilled nursing or therapy care, you’re covered under Part B.
Preventative Services:
Outpatient physical, speech, and occupational therapy services are covered as long as they are administered by a Medicare-certified therapist.
X-Rays And Lab Tests:
All doctor ordered x-rays and lab tests are covered.
Chiropractic Care:
Only when medically necessary to fix subluxation of the spine. Certain prescription drugs: Certain drugs such as immunosuppressants, select anti-cancer, select antiemetic, select dialysis, and other typical drugs administered by a physician.
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Medicare Part C: Medicare Advantage
Medicare Part C, also known as Medicare Advantage, is a private health plan provided by insurance companies contracted with the federal government. You will still be enrolled in Original Medicare (Part A and B), however Medicare Advantage plans may offer certain benefits that Original Medicare doesn’t cover, such as:
Dental coverage
Vision coverage
Caregiver Counseling and Training
Housekeeping
Prescription Drug Coverage
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Medicare Part D: Prescription Drug Coverage
Part D is prescription drug coverage. This covers most outpatient prescription drugs. An individual can enroll in Part D if the individual has Parts A & B and lives in the plan’s service area. Part D is offered through private insurance companies as either a stand-alone plan or as a set of benefits included with a Medicare Advantage Plan. Each Part D plan has a list of covered drugs. If the drug you need is not on the list of covered drugs, you are allowed to request an exception, pay out of pocket, or file an appeal.
Each plan must cover all drugs in the following categories:
HIV/AIDS treatment
Antidepressants
Antipsychotic medications
Anticonvulsive treatments for seizure disorders
Immunosuppressants
Anti-cancer drugs (unless they are being covered under Part B)
Most vaccines are also covered under Part D unless they are already covered under Part B.
Once you qualify for Medicare, you can apply for Original Medicare, Medicare Part A & Medicare Part B, at your local social security office or their website. Medicare Parts C & D you must enroll in.
But what if Medicare is still not covering all of your needs?
How We Can Help
Medicare Supplement Plans
Medicare Supplements, also known as Medigap policies, are sold by private insurance companies to help you cover the out-of-pocket costs left behind by Medicare. When you have a Medigap policy, Medicare pays up to its limit on your medical expenses. Then, your Medicare Supplement plan will then kick in up to its limit. That limit usually is able to pay off the remainder. However, that will depend on which policy you select.
There are 10 standardized Medicap plans, which have a letter designation of A, B, C, D, F, G, K, L, M, or N.
Medicare Advantage Plans
Medicare Advantage plans, also known as Medicare Part C, are offered by private insurance companies that contract with Medicare to provide your Medicare benefits in one bundled plan. Instead of Original Medicare paying first, your Medicare Advantage plan becomes your primary coverage and administers your Part A (hospital) and Part B (medical) benefits.
Most Medicare Advantage plans include additional benefits not covered by Original Medicare, such as prescription drug coverage, routine dental, vision, hearing, fitness programs, and wellness services. These plans typically use provider networks and may require copayments, coinsurance, prior authorizations, and referrals depending on the plan structure.
Unlike Medicare Supplement plans, Medicare Advantage plans operate with an annual out-of-pocket maximum, which helps cap your total medical spending for covered services each year. Plan benefits, costs, provider networks, and drug formularies can vary by carrier and location, making it important to compare options carefully before enrolling.
Why Pillar is Different
At Pillar Life Protection, we believe families deserve more than just another policy—they deserve a partner who truly cares. That’s why we keep our team small, selective, and client-focused, ensuring every family gets the attention and guidance they need. With access to top carriers and a commitment to service rooted in integrity, we’ve already helped thousands of people protect what matters most.
“When I started Pillar, my goal wasn’t to sell insurance—it was to give families peace of mind. The impact we make is reflected in the lives we change because people are our portfolio.” — Jarrett Weiss
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Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Pillar Life Protection is not connected with or endorsed by the United States government or the federal Medicare program.
Life insurance products are subject to underwriting approval. Product availability, features, and rates vary by state, carrier, and applicant’s health status. Coverage is not guaranteed until issued by the carrier.
This website is for informational purposes only and does not constitute an offer or solicitation in jurisdictions where not permitted. Calls may be recorded for quality assurance. By submitting your information, you consent to be contacted by a licensed insurance agent via phone, email, or text message regarding Medicare and life insurance products. This is a solicitation for insurance.
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