If your 65th birthday is coming soon, you might have some questions about how Medicare works. 

Your out-of-pocket costs in your original Medicare plan will depend on:

• Whether you have Part A and/or Part B. Most people have both.
• Whether your doctor, other health care provider, or supplier accepts “assignment.”
• The type of health care you need and how often you need it.
• Whether you choose to get services or supplies Medicare doesn’t cover. If you do, you pay all costs unless you have other insurance that covers it.
• Whether you have other health insurance that works with Medicare.
• Whether you have Medicaid or get help from your state paying your Medicare costs.
• Whether you have a Medicare Supplement Insurance (Medigap) policy.
• Whether you and your doctor or other health care provider sign a private contract.
• Medicare Parts A and B are separate from Medicare Advantage, which is also called Part C. Medicare prescription drug coverage is Part D.
• If you have Original Medicare, you’ll get a “Medicare Summary Notice” in the mail every three months that lists all the services billed to Medicare.

AMERICAN INSURANCE has local certified health agents available to meet with you by appointment to discuss Medicare and many other health care options. You can contact us to set up that appointment by calling us at 208-746-9646 or emailing us at Medical@Am-Ins.com.

• *Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Here are some more answers to questions you may have:

• Where do I begin?
• When can I enroll?
• What’s the difference?
• How do I know what Medicare paid?

AMERICAN INSURANCE has local certified health agents available to meet with you by appointment to discuss Medicare and many other health care options. You can contact us online by call us at 208-746-9646 or email us at Medical@Am-Ins.com to set up that appointment .