Medicare
In 2025, 29% of U.S. adults aged 65 or older do not fully understand their Medicare Advantage plans, and 23% do not fully understand their Medicare Supplement plans.
Our agents at Hercules Health Solutions work with multiple insurance companies, offering personalized guidance at no direct cost to you. They simplify complex Medicare information, compare options based on your needs, and assist with enrollment, acting as your guide through Original Medicare's complexities.
Medicare Part A
Medicare Part A helps pay for Medicare-covered hospital services when you are admitted to the hospital as an inpatient. This includes room and board charges, medications, labs and diagnostic imaging, surgery, anesthesia, nursing care, etc.
Part A covers a limited amount of rehabilitation care in a skilled nursing facility, some medically-necessary home health care, and hospice care. People Age 65 or older, who are U.S. citizens or permanent residents, are eligible for Part A at no cost at age 65 if you meet required criteria.
Medicare Part B
Medicare Part B provides coverage for the Medicare-covered services or supplies that are needed to diagnose or treat a medical condition and meet accepted standards of medical practice.
Anyone eligible for Medicare Part A at no cost can enroll in Medicare Part B by paying a monthly premium. For most people receiving Social Security benefits, they will automatically deduct your premium from your benefit payment.
If not eligible for Part A at no cost, you can buy Part B, without having to buy Part A, if you're age 65 or older and meet certain criteria. Some people with higher incomes will pay higher monthly Part B and Part D premium.
Medicare Part C (Medicare Advantage)
Medicare Advantage plans are offered by private insurance companies approved by Medicare to provide Part A and Part B benefits. A Medicare Advantage plan replaces Original Medicare, but must follow the rules set by Medicare and usually accompanies a low premium. Medicare Advantage plans may offer additional coverage like vision, hearing, dental and wellness. Most include prescription drug coverage.
Medicare Part D (Prescription Drug Plan)
Medicare Part D is always administered by a private insurance company approved and regulated by Medicare. Coverage and cost will vary from plan to plan and depend on your particular prescription needs.
Medicare Supplement
Medicare Supplement Insurance or Medigap plans help fill the “gaps” in Original Medicare and are sold by private insurance companies. Medicare pays for much, but not all, of the costs for covered services and supplies. Medigap plans work hand in glove with Original Medicare to pay some of the remaining healthcare costs.
With a Medicare Supplement plan, you keep Original Medicare as the primary payer, and add a Supplement plan to fill in some or most of the gaps that Medicare otherwise leaves you on the hook for. Bills go to Medicare first, Medicare pays its part, and what’s left over now goes to the Supplement plan