What is Medicare?

Medicare is a Health Insurance Program for:

• People 65 years of age and older.
• Some people with disabilities under age 65.
• People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

Medicare has Two Parts:

• Part A (Hospital Insurance)
• Part B (Medical Insurance)
• Prescription drug coverage
  

What is Medicare Part A?

Medicare Part A helps cover your inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits.

What is Medicare Part B?

Medicare Part B helps cover your doctors' services and outpatient care. It also covers some other medical services that Medicare Part A doesn't covers, such as some of the services of physical and occupational therapists, and some home health care. These services are covered when thay are medically necessary.

What is Medicare prescription drug coverage?

Medicare started offering coverage for prescription drugs on January 1, 2006.

For more information on Medicare please go to www.medicare.gov.

Why Medicare Supplement Insurance?

Medicare supplement insurance fills the "gaps" between Medicare benefits and what you must pay out-of-pocket for deductibles, coinsurance, and copayments. Therefore, it is often called Medigap insurance. Medigap policies only pay for services deemed by Medicare as medically necessary, and payments are generally based on the Medicare-approved charge.

* Medicare Supplement insurance is not underwritten by American National Insurance Company.

Representing

American National Insurance Company, Galveston, TX
American National Property and Casualty Company, Springfield, MO

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent. All products, coverages, and options are not available in all states, and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

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