(Non-Goverment Entity)
(Non-Goverment Entity)
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Each of the 4 parts of Medicare offers coverage for different services. Don’t let the all the "letters" confuse you. Here's a quick guide to help you understand how each part works, but there is a lot more that goes into eventually choosing the right Medicare Plan for you! Additional Medicare Plan Coverage options are out there as well to cover the "gaps" that Medicare may not cover. We'll help you find out which Medicare plans you may qualify for!
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Telehealth is available for those on Medicare using audio and video communication. This will last during the COVID-19 public health emergency and five months after. Afterward, you must be at a doctor’s office or medical facility in a rural area to continue telehealth services.
Medicare Advantage is a pre-approved plan from a private company that offers coverage. They include Medicare Part A, Part B, and Part D. You may be limited to providers in that company’s network and may need pre-approval for certain procedures or prescriptions. These plans often have lower out-of-pocket costs and may provide additional benefits.
It is illegal to enroll in both a Medicare Supplement plan and a Medicare Advantage plan. If you were to enroll in both plans, neither would become your primary coverage, leading to a denial of services. This could leave you paying out-of-pocket for all your healthcare services, regardless of having both coverages.
Yes. With Original Medicare, you can go to any doctor or hospital that takes Medicare in the U.S. Medicare Advantage is limited to those within their insurance network. Original Medicare typically has a coinsurance of 20% after you meet your deductible. Out-of-pocket costs for those on Medicare Advantage will differ according to your selected plan.
A premium is your monthly payment for Medicare. Most people don’t have to pay a premium for Part A. In 2023, premiums will be around $164.90 a month but may be higher if you are in a higher income bracket. A late enrollment penalty of 10% is added if you could have signed up for Part B coverage and did not. This is not applicable if you qualify for a special enrollment period. Part D premiums will vary on which plan you have selected.
Telehealth is available for those on Medicare using audio and video communication. This will last during the COVID-19 public health emergency and five months after. Afterward, you must be at a doctor’s office or medical facility in a rural area to continue telehealth services.