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MEDICARE PART ABCD HOW TO

Medicaid offers benefits, like nursing home care, personal care services, and assistance paying for Medicare premiums and other costs. Medicaid is a joint federal and state program that provides health coverage for some people with limited income and resources. Medicare is federal health insurance for anyone age 65 and older, and some people under 65 with certain disabilities or conditions. What’s the difference between Medicare & Medicaid? Plans may offer some extra benefits that Original Medicare doesn’t cover - like vision, hearing, and dental services.ĭiscover more differences between Original Medicare & Medicare Advantage.Plans may have lower out-of-pocket costs than Original Medicare.In most cases, you’ll need to use doctors who are in the plan’s.These “bundled” plans include Part A, Part B, and usually Part D. Enrolling in Medicare Part C Initial Coverage Election Period (ICEP): The 7-month period when you are first eligible for Medicare Annual Election Period (AEP). Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage.), or have coverage from a former employer or union, or Medicaid.

), you can also buy supplemental coverage, like Medicare Supplement Insurance (

To help pay your out-of-pocket costs in Original Medicare (like your 20%.

You can use any doctor or hospital that takes Medicare, anywhere in the U.S.

You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).

Original Medicare includes Part A and Part B.

Medicare Advantage (also known as Part C) It covers many of the medically necessary services not covered in Part A, such as outpatient and preventive. When you first sign up for Medicare and during certain times of the year, you can choose which way to get your Medicare coverage. Part B is the medical services part of Medicare. The benefits in each lettered plan are the same, no matter which insurance company sells it. Policies are standardized, and in most states named by letters, like Plan G or Plan K. Medicare Supplemental Insurance (Medigap): Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare. You join a Medicare drug plan in addition to For more information about Medicare including a complete listing of plans available in your service area, please contact the Medicare program at 1-800-MEDICARE (TTY users should call 1-87) or visit Medicare has neither reviewed nor endorsed this information.Part D (Drug coverage): Helps cover the cost of prescription drugs (including many recommended shots or vaccines). Each Blue Cross Blue Shield company is responsible for the information that it provides.

MEDICARE PART ABCD HOW TO

To find out about premiums and terms for these and other insurance options, how to apply for coverage, and for much more information, contact your local Blue Cross Blue Shield company. Enrollment in these plans depends on the plan’s contract renewal with Medicare. Medicare Advantage and Prescription Drug Plans are offered by a Medicare Advantage organization and/or Part D plan sponsor with a Medicare contract. Plans are insured and offered through separate Blue Cross and Blue Shield companies. Viewing this Medicare overview does not require you to enroll in any Blue Cross Blue Shield plans. Medicare overview information on this website was developed by the Blue Cross and Blue Shield Association to help consumers understand certain aspects about Medicare. No deductibles, copays or coinsurance are required for Medicare-covered preventive care services, such as annual wellness visits and mammograms for women. You pay 20 percent for some medical services, such as doctor services, outpatient therapy and durable medical equipment. The list below provides a summary of Part B-covered services and coverage rules. You must first meet an insurance deductible before Part B helps with your medical costs.Ī copayment or cost sharing may apply to specific services, such as those received in an outpatient hospital setting. Medicare Part B provides outpatient/medical coverage. It is separate from the health insurance premiums you will pay if you choose Medigap, Medicare Advantage (Part C) or Prescription Drug Coverage (Part D). This premium is commonly paid through Social Security withholdings. Medicare Part B has a monthly insurance premium that is based on when you enroll and your annual household income. Medicare Part B covers doctor visits, durable medical equipment, speech therapy, occupational therapy, physical therapy, and other outpatient services.