You often hear the term “Original Medicare.” This refers to the combination of Medicare A and Medicare Part B. Original Medicare was administered by the federal government, and in this plan, you can seek care Anywhere Medicare is accepted. You may be required to pay the certain paid, deductible, or coexisting (a percentage of the cost of the covered service), but you do not have to be referred in a certain network to see a specialist or receive care.
Original Medicare does not provide prescription drug coverage.
If you have Original Medicare and Desire prescription coverage, you can choose a standalone Part D plan in addition to Original Medicare.
Cons
May seek care Anywhere Medicare is accepted
subject to payment, deduction, and communism
Experts do not need a recommendation
Does not include prescription drug coverage
What is medicare?
Medicare Part A covers:
- Inpatient hospital care
- Hospice
- Skilled Nursing Facility Nursing
- Family Health Services
*Please note: not an exhaustive list
What is medicare part b?
Medicare Part B. Cover:
- Physician’s services (such as office visits)
- Outpatient service
- Family Health Services
- Laboratory Services
- medical equipment
- mental health services
- Chronic Care Management
- Emergency Room Services
- Preventive Services
*Please note: not an exhaustive list
What do Medicare Parts A and B not cover?
Certain things are not covered by health insurance, such as:
- Guardian care (when someone provides care in activities of daily living but is not a healthcare professional)
- dental care
- routine vision care
- denture
- cosmetic surgery
- acupuncture
- Hearing aids and accessories
- Routine Foot Care
You can choose Original Medicare each year and choose a Medicare Part C plan instead. Medicare Part C plans offered by private insurance companies are also known as Medicare Advantage.
How does Medicare Part C work?
The Medicare Part C plan is similar to the group health plan you might have through your employer. You may have a network of preferred providers for office access and services and services that may or may not be covered by your policy and differences that may be covered.
You may also need to choose a primary care provider and provide specialist referrals to your primary provider. Medicare Part C is another way to get Medicare benefits. These are Medicare-approved medical plans from private companies that replace Medicare Parts A and B (and sometimes D) if you choose to enroll in one of them.
If you want coverage beyond what Medicare Parts A, B, and D provide, a Medicare Part C plan may be right for you. Different plans offer various coverage options that may extend to:
- imagine
- hearing
- dentistry
- glasses
- hearing aid
- Adult daycare
- private care
- health coverage
Medicare Part C plans also usually have lower duplication or deductions since you’re limited to the provider network.
where good
Cons
May have lower premiums, copied or deducted
Local provider network only
May include prescription drug coverage
The expert recommendation may be required
Can provide additional desire, dental care
Understanding Medicare Part D
Medicare Part D. Covers the cost of your prescription drugs and is provided by a private insurance company.
If you have Original Medicare, you can choose a standalone Part D plan that provides coverage for your prescription drugs. If you selected a Medicare Part C plan, Part D coverage may already be included in your plan.
Each Title D plan must meet minimum coverage requirements set by the federal government. Plans can provide coverage (called A. Formal ) for a variety of different drugs based on a set fee of “tiers” in which the drugs are classified.
You may pay an annual premium and you may be required to meet an annual deductible. Certain medications may require a basis based on these costs.
Most plans also have what’s called coverage
Sometimes called a donut hole. This means that once you and your plan spend costs toward your Part D, your plan covers less of the cost, and you’ll cover more until a certain threshold is reached.
While coverage, or the doughnut hole, was an important area of focus for consumers in the past, Medicare Part D changed the rules to make it more affordable for consumers. The gap in prescription drug coverage has been drastically reduced, and now that Medicare shares the cost with drug manufacturers, drug plans do the heavy lifting for you.
Now that you’re familiar with the four parts of Medicare and the benefits each offer, you’ll be better equipped to provide options to meet your health care needs. If you have more questions about the four parts of Medicare or want to help with enrolling for coverage, contact a licensed insurance agent who can help guide you through the enrollment process.
