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Medicare is the federal health insurance program that provides individuals who are 65 and older, or those with disabilities, with healthcare coverage. Those about to turn 65 will become eligible to enroll in Medicare three months before turning 65. This marks the beginning of the Initial Enrollment Period, which will then end three months after you have turned 65. This gives you a seven-month period to enroll in Medicare.
 

There are multiple parts of Medicare that every new Medicare beneficiary should be aware of to better understand which part would work best for their particular situation.  

 

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Medicare Supplements are also known as Medigap and are designed to protect Medicare beneficiaries against the out-of-pocket costs that Original Medicare does not cover, such as deductibles, copayments, and coinsurance. There are several choices for Medigap plans, which include Plans A, B, C, D, F, G, K, L, M, and N. Each plan provides specific coverage, so choosing a plan that fits your coverage needs is crucial in receiving the coverage you need.

Medicare Part A

Medicare Part A serves as hospital insurance and provides coverage for inpatient hospital care, skilled nursing facility care, home health care, and hospice care.

It is highly advised that even if you choose to delay your enrollment in Medicare Part B, that you still enroll in Part A as soon as you become eligible. You can do this during the Initial Enrollment Period, which begins three months before turning 65 and ends three months after turning 65.

Medicare Advantage Plans

Medicare Part C, or Medicare Advantage, includes all the benefits and services a member would receive under Original Medicare Parts A and B. Usually, the plan includes Medicare Prescription Drug Coverage (Part D). Some plans may even include additional coverage for services like dental, vision, hearing, and more.

To enroll in a Medicare Advantage plan, you must be enrolled in Original Medicare. If you were to ever drop your Part B coverage, you would lose your Medicare Advantage plan

Medicare Supplements

Medicare Supplements are also known as Medigap and are designed to protect Medicare beneficiaries against the out-of-pocket costs that Original Medicare does not cover, such as deductibles, copayments, and coinsurance. There are several choices for Medigap plans, which include Plans A, B, C, D, F, G, K, L, M, and N. Each plan provides specific coverage, so choosing a plan that fits your coverage needs is crucial in receiving the coverage you need.

Vision

Vision problems can affect people of all ages, while other issues are more common as we get older.1 Vision insurance helps protect your eye health as well as ensuring you have access to the eyeglasses or contacts you rely on.

Medicare Part B

Medicare Part B serves as medical insurance and covers outpatient medical expenses that are considered medically necessary to diagnose or treat a health condition.

Prescription Drug Plans

Medicare Part D, which is Medicare’s prescription drug coverage plan, can be purchased as a standalone plan or in conjunction with a Medicare Advantage plan (known as MAPD). Prescription drug plans can help keep out-of-pocket costs lower. These plans also consist of a formulary, which is a list of prescriptions that the plan covers. Typically, these prescriptions are listed into tiers, with the drugs in the lower tier costing much less than those listed in a higher tier.

Dental

Maintaining good oral health is a key part of staying healthy. Dental insurance helps manage the costs of preventive care and also helps lower costs for an unexpected event, like a broken tooth or a cavity.  

Hearing

Hearing benefits, including insurance coverage for hearing aids, can be a key resource for managing health, especially for seniors. Hearing insurance can also ensure you have affordable options for hearing aids and hearing aid batteries.

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