The Medicare Program

Medicare is a health insurance program for:

• People age 65 or older.
• People under age 65 with certain disabilities.
• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)

The Original Medicare Has Two Parts

Part B is Medical Insurance and covers physicians services, outpatient care, test, and supplies. (see Medicare Part B)

Accidental Death Benefit:

An extra death benefit amount that is paid out in addition to the face amount of the policy if the insured dies by accidental means. It cost extra to get this benefit, and usually cannot exceed $250,000 to $300,000, and cannot exceed more than the face amount of the policy.