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MEDICARE
Medicare is a health insurance program for:
Part A Hospital Insurance
Most people don’t pay a premium for Part A because they or a spouse
already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover 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. Beneficiaries
must meet certain conditions to get these benefits.
Part B Medical Insurance
Most people pay a monthly premium for Medicare Part B (Medical Insurance) helps cover doctors services, outpatient care, labs and diagnostics. It also covers some other medical services that Part A does not cover, such as some physical and occupational therapist services and some home health care services. Part B helps pay for these covered services and supplies when they are medically necessary.
Part C Medicare Advantage
Medicare Advantage plans combine Medicare Part A, Part B, and often Part D into one plan with a network providers.
Part C covers additional benefits that you don’t have in your original Medicare. Such as the following:
Prescription Drug Coverage
Most people will pay a monthly premium for this coverage. Starting January 1, 2006, new Medicare prescription drug coverage will be available to everyone with Medicare.
Everyone with Medicare can get this coverage that may help lower prescription drug
costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. Private
companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. Like
other insurance, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.
During Medicare’s Open Enrollment Period (OEP), which begins on October 15 and ends December 7, Medicare beneficiaries can choose the plans that are best for them. You can get help comparing Medicare plans from your local State Health Insurance Assistance Program (SHIP), available in each U.S. state, territory, and the District of Columbia. Private insurance companies administer, market, and sell Medicare Advantage (MA, Part C) and Medicare Prescription Drug Plans (Part D), so it’s important to understand your rights and some of the limits on marketing. That way you’ll be prepared if an insurance broker or agent tries to enroll you in a Medicare plan that isn’t right for you.
During Medicare’s Open Enrollment Period (OEP), which begins on October 15 and ends December 7, Medicare beneficiaries can choose the plans that are best for them. You can get help comparing Medicare plans from your local State Health Insurance Assistance Program (SHIP), available in each U.S. state, territory, and the District of Columbia. Private insurance companies administer, market, and sell Medicare Advantage (MA, Part C) and Medicare Prescription Drug Plans (Part D), so it’s important to understand your rights and some of the limits on marketing. That way you’ll be prepared if an insurance broker or agent tries to enroll you in a Medicare plan that isn’t right for you.