What Is Medicare

Medicare is a government health insurance program for:

  • People aged 65 or older.
  • People under age 65 with certain disabilities.
  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant) or Amyotrophic Lateral Sclerosis (ALS – Lou Gehrig’s Disease).

Original Medicare is a term often used to describe Part A & Part B.


(Hospital Insurance) – Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover some approved hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Some specific deductibles and copays are part of Part A.


(Medical Insurance) – Part B helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B. Some specific deductibles and copays are part of Part B.



Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.

These “bundled” plans include Part A, Part B, and usually Part D and add in some extra benefits (that Original Medicare doesn’t cover – like vision, hearing, and dental services). You must have both Part A and Part B to join a Medicare Advantage Plan.


Prescription Drug Coverage Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage.


Medicare Supplement (Medigap) is a Medicare-approved plan from a private company that works with original Medicare to fill in many of the financial “gaps” left by Medicare – copays, coinsurance, and deductibles. If you choose this route, it is important to consider your prescription drug coverage options.

About Whitaker Insurance Group

Several years ago the Whitakers realized a need for trustworthy guidance regarding Medicare healthcare choices. Whitaker Insurance Group began. As more needs were met, it was a natural choice to invite Rosie Abrams, an experienced agent and trusted family friend to join the team.

Whitaker Insurance Group serves clients in Mississippi, Tennessee, Louisiana, Arkansas, Missouri & Kentucky.

Our mission is to assist people in providing simplified explanations and personalized service while educating clients to be able to have confidence they are making wise decisions. 

Whitaker Insurance Reviews

Happy Clients

I really appreciate the time and patience you took to explain in detail my options, Your politeness was immaculate, values that are hard to find this Day and Time. You truly were a breath of fresh air. 


MW – Mississippi

If you would like to review our services, please email it to us at Reviews@MedPlan4U.com

In most cases, 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.