Understanding Medicare

We get it – Medicare is confusing!

Whether you’re turning 65 and exploring Medicare for the first time, or looking for a new Medicare option to meet your needs, Saint Mary’s ATRIO Health Plans is here to help. We are your trusted neighbor Medicare Plan.

What is Medicare?

Medicare is a health insurance program for:

  • People who are 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, sometimes called ESRD).
  • People who have ALS (Amyotrophic Lateral Sclerosis)

What is Medicare Part A & B and What Does it Cover?

Other Plans that Work with Original Medicare

Original Medicare does not cover all of your medical costs. It only covers about 80 percent of your Medicare- approved benefits. You’ll have to pay out-of-pocket costs for deductibles, coinsurance, and copays.

Plus, Original Medicare doesn’t cover all the healthcare services you may need, such as hearing aid services, routine eye exams, and most outpatient prescription drugs. You have a choice of private health plans, like ATRIO, to help pay those costs and cover other healthcare services. These private health plans are Medicare Advantage or Part C, Medicare Part D prescription drug plans, and Medicare Supplement plans.

When Can I Enroll in a Medicare Advantage Plan?

ATRIO is a Medicare Advantage Plan. If you want to enroll, you must:

  • Be enrolled in both Medicare Part A and Part B (you can check this by referring to your red, white, and blue Medicare card)
  • Live within the plan’s service area
  • Have a valid enrollment period

Last updated Nov 02, 2023