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Choosing the right Medicare plan as a senior adult can be overwhelming. At Senior Help & You, LLC, we are happy to help you with your Medicare needs as your Medicare Experts. Learn more about us and how we can help you with your Plan Requirements.
Inpatient care in a hospital • Inpatient care in a skilled nursing facility (not custodial or long-term care) • Hospice care • Home health care • Inpatient care in a religious non-medical institution.
Medically necessary doctor's services, outpatient care, home health care, durable medical equipment, mental health services, and other medical needs. Part B. Services and tests also cover many preventive services that Medicare may cover when necessary to diagnose or treat a condition.
Helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.
Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These "bundled" plans include Part A, Part B, and usually Part D. In most cases, you can only use doctors in the plan's network. You may need to get approval from your project before it covers certain drugs or services. Plans may have lower out-of-pocket costs than Original Medicare, offering some extra benefits that Original Medicare doesn't cover—like vision, hearing, and dental services.
There are three times you can sign up for Medicare:
Original Medicare covers many healthcare services and supplies, but not all. The Medicare Supplement Insurance policies sold by private companies can cover some of the health care costs not covered by Original Medicare, including copayments, coinsurance, and deductibles. Medigap policies are also known as Medicare Supplement Insurance policies. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S.
If you have Original Medicare and you buy a Medigap policy; Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share. Medigap policies have premiums. Medigap policies differ from Medicare Advantage plans. A Medicare Advantage Plan is a way to obtain your Medicare benefits, whereas a Medigap policy supplements your Original Medicare coverage. Medigap policies can’t be sold to anyone enrolled in a Medicare Advantage Plan. If you have Medigap and switch to enroll in a Medicare Advantage Plan for the first time, you have the right to change your mind. You have special rights under federal law to purchase a Medigap policy if you return to Original Medicare after 12 months of enrolling in the Medicare Advantage Plan.
When you turn 65, you’ll automatically receive Part A and Part B if you already receive Social Security or Railroad Retirement Board (RRB) benefits. Parts A and B start on the first day of the prior month if your birthday falls on the first day of the month. After you receive disability benefits from Social Security or certain disability benefits from the RRB for 24 months, if you are under 65 and disabled, you will automatically receive Parts A and B. Remember, if you live in Puerto Rico, you don’t automatically get Part B.
If you have Original Medicare and you buy a Medigap policy; Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your Medigap policy pays its share. Medigap policies have premiums. Medigap policies differ from Medicare Advantage plans. A Medicare Advantage Plan is a way to obtain your Medicare benefits, whereas a Medigap policy supplements your Original Medicare coverage. Medigap policies can’t be sold to anyone enrolled in a Medicare Advantage Plan. If you have Medigap and switch to enroll in a Medicare Advantage Plan for the first time, you have the right to change your mind. You have special rights under federal law to purchase a Medigap policy if you return to Original Medicare after 12 months of enrolling in the Medicare Advantage Plan.
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