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What do the different parts of Medicare Cover?
Medicare Part A (Hospital Insurance)
Covers inpatient care in a hospital, skilled nursing facility car, hospice car, and some home health care services. Most people receive premium-free Part-A because they've worked and paid Medicare taxes for at least 10 years while working.
Covers inpatient care in a hospital, skilled nursing facility car, hospice car, and some home health care services. Most people receive premium-free Part-A because they've worked and paid Medicare taxes for at least 10 years while working.
Medicare Part B (Medical Insurance)
Covers Doctor services, outpatient care preventive services (such as screenings and shots), durable medical equipment, and some home health care. Most beneficiaries pay a monthly premium for Part-B, usually deducted directly from social security once you enroll.
Covers Doctor services, outpatient care preventive services (such as screenings and shots), durable medical equipment, and some home health care. Most beneficiaries pay a monthly premium for Part-B, usually deducted directly from social security once you enroll.
Medicare Part C (Medicare Advantage)
This is an alternative to Original Medicare, offered by private insurance companies. Part C plans are required to provide at least the same coverage as Parts A and B, and they often include prescription drug coverage (Part D), and other extra benefits not available with Original Medicare.
This is an alternative to Original Medicare, offered by private insurance companies. Part C plans are required to provide at least the same coverage as Parts A and B, and they often include prescription drug coverage (Part D), and other extra benefits not available with Original Medicare.
Medicare Part D (Prescription Drug Coverage)
Provides coverage for prescription drugs. You can get part D coverage through a stand-alone prescription drug plan to add to Original Medicare (Parts A and B), or through a Medicare Advantage plan that includes drug coverage.
Provides coverage for prescription drugs. You can get part D coverage through a stand-alone prescription drug plan to add to Original Medicare (Parts A and B), or through a Medicare Advantage plan that includes drug coverage.
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MEDICARE BASICS - Medicare is a federal health program that helps cover medical costs for people 65 and older, as well as younger individuals with certain disabilities. It is important to NOTE that Medicare does not cover all costs, which is why most people gets a separate medigap policy or Medicare supplement plan, to help cover the costs of what Medicare does not cover - along with a prescription drug coverage.
INITIAL ENROLLMENT PERIOD - When you turn 65, you have a seven months window to enroll in Medicare. This includes 3 months before the month you turn 65, your birthday month, and 3 months after the month you turn 65. During this time you can:
1. Enroll in original Medicare (Parts A and B.)
2. Enroll in a Medicare Advantage plan (Part-C)
3. Enroll in a stand-alone Medicare prescription drug plan (Part D)
Medicare Advantage plans (Part C), are alternative to Original Medicare that combine Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) into a single plan. Medicare Advantage plans often include Part D also (Prescription Drug) coverage. Medicare Advantage plans are required to includes all of the benefits that's included in Original Medicare, meaning you will not lose any benefits - and in fact Medicare Advantage plans have additional benefits not includes in Original Medicare such as dental plans, vision plans, hearing aids services, and typically at no additional costs. Additional benefits from Medicare Advantage plans vary per carrier.
Medicare Advantage plans are offered by private health insurance companies, such as UnitedHealthcare or UHC, Humana, Aetna, Cigna, WellCare, and many others. Those plans are regulated and approved by Medicare, and they provide extra benefits and additional coverage that Original Medicare does not offer. Some additional coverage can be dental, vision, hearing aid, and they typically require that you use healthcare providers within the plan's network for non-emergency care.
Medicare Advantage Benefits and Features:
-- Bundled Coverage: You get your Part A, Part B, and often Part D benefits through one plan.
-- Private Companies: Medicare-approved private insurance companies offer these plans.
-- Network Restrictions: Most plans require you to use a network of healthcare providers.
-- Additional Benefits: Plans can include extra benefits not covered by Original Medicare.
WHEN TO CHOOSE MEDICARE ADVANTAGE - You prefer to have your health and drug coverage bundled into one plan. This plan will be managed by a private health insurance company such as Humana, AARP, etc. You are also seeking extra benefits like dental, vision, hearing aids, and comfortable using a network like an HMO, PPO, that will manage your healthcare. Often time Medicare Advantage plans are $0.00 per Month. Some additional benefits maybe include Part B cash back to help cover the monthly cost of your Part B premium.
WHEN TO CHOOSE ORIGINAL MEDICARE - You want the freedom to see any Doctor or Hospital that accept Medicare. You want to purchase your own stand-alone prescription drug plan, and a Medigap policy or Medicare Supplement plan to help pay for costs not covered by Original Medicare.
FREQUENTLY ASKED QUESTIONS:
I missed my enrollment period when I turned 65 or became eligible.
Don't worry! You can still sign up during the General Enrollment Period.
You will be able to enroll for A and/or Part B between January 1 and March 31 each year if both of these conditions apply:
1- You didn't sign up when you were first eligible.
2- You aren't eligible for a Special Enrollment Period.
Your coverage will be effective on July 1st, and you may be subject to penalties.
When is the Annual Enrollment Period?
All Medicare beneficiaries can make changes or enroll in a health care plan like a Medicare Advantage plan from October 15th to December 7th each Year. This is called AEP (Annual Election Period) The effective date will be January 1st of the following year.
If you have Original Medicare, you can switch to a Medicare Advantage plan, or disenroll from a Medicare Advantage plan to go back to Original Medicare. You can also join or drop a prescription drug plan. Also you may change your current Medicare Advantage plan to another, if you prefer different benefits or if the other plan offer something else that meet your needs.