If you or a loved one is entering Medicare and you need more information about the process, we at Complete Medicare Planning
can help. Review the following information for up-to-date details about Medicare health insurance plans. For further assistance, call us today at 816-804-4060
and one of our professional Medicare advisors will be glad to assist you and answer any questions you may have about Medicare or other senior health insurance options.
Medicare Part A plans cover:
Medicare Part B plans cover:
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or ”MA Plans,” are offered by private companies approved by Medicare.
If you join a Medicare Advantage Plan, then the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and /or health and wellness programs. Most include Medicare prescription drug coverage (Part D). Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket cost and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care).
These rules can change each year.
These plans cover expenses for generic and brand name prescription drugs. In order to enroll in a Medicare Part D plan, you must be enrolled in Medicare Part A, Part B or both.
Medicare offers prescription drug coverage to everyone with Medicare. Even if you don’t take a lot of prescriptions now, it’s very important for you to consider joining a Medicare drug plan. If you decide not to join a Medicare drug plan when you are first eligible, and you don’t have other credible prescription drug coverage, or you don’t get Extra Help, you will likely pay a late enrollment penalty.
If you decide to stay in original Medicare you will need to enroll in a standalone prescription drug plan or sometimes called (PDP’s). Most Medicare Advantage (PartC) plans include prescription drug coverage.
To speak with an advisor about Medicare Part D, A, B, C or other Medicare details, call Complete Medicare Planning today at 816-804-4060