Medicare is health insurance for Americans aged 65 and older (and certain younger populations with disabilities). Components include Part A (hospital), Part B (medical), Part D (prescription drugs), and Medicare Advantage (Part C). Long-term-care options may include traditional LTC insurance, hybrid life/LTC, and short-term care policies. Eligibility, premiums, and underwriting vary, and the rules and carriers differ by state. Consult Centers for Medicare & Medicaid Services (CMS) resources and a licensed advisor before choosing.
MedicareLong-Term CareAges 65+
Medicare & Long-Term Care Planning
Educational overview. Original Medicare, Medicare Advantage, Medicare Supplement (Medigap), Part D, and long-term-care options are complex. Eligibility, premiums, and underwriting vary. Speak with a licensed advisor and review CMS resources.