A Pre-existing condition is any health problems that occur before the date that new health coverage begins.

A Penalty is the dollar amount added to the monthly Premium for your Part B or Part D Medicare drug plan if you don’t join when first eligible. You will have to pay this penalty amount as long as you have Medicare, however there are some exceptions.

A Pelvic exam is an examination to see if a female’s internal organs are normal. It is done by feeling the organ’s shape and size.

A Pap test is an exam to check for cancer of the cervix (the opening to a woman’s uterus). It’s completed by taking cells from the cervix. These cells are then prepared so they can be examined under a microscope.

Your out-of-pocket costs are your health care or prescription drug costs that you are required to pay on your own. These are the drug costs that will not be paid by Medicare or other insurance.

Original Medicare is a fee-for-service health plan that is structured into two parts: Part A (Hospital Insurance) Part B (Medical Insurance). Once you pay a Deductible, Medicare will pay its share of the Medicare-approved amount while you pay your share of the Medicare-approved amount (the Coinsurance and deductibles).