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What Does Medicare Part A Cover?
Medicare Part A “Hospital Insurance”
Medicare Part A is sometimes called “Hospital Insurance.”In general, it covers inpatient care in hospitals, care in skilled nursing facilities, home health services, and hospice care. It can even help cover nursing home care (as long as it is not custodial or long-term care).
What Does Medicare Part B Cover?
Medicare Part B Insurance Coverage and Services Medicare
Part B generally covers two main types of service. The first is medically necessary services and supplies that are needed to treat or diagnose your medical condition. Doctors office visits, specialist exams outpatient treatments , surgeries and in some cases, Part B covers some drugs. The second type of service that Medicare Part B covers is preventive services to help discover issues early when treatment is most likely to work best
What Does Medicare Part C Cover?
Medicare Advantage Part C
Medicare Advantage plans allow you to receive your benefits from a private insurance company approved by Medicare. If you have Medicare Part A and Medicare Part B, you can receive your benefits from a Medicare Advantage plan. Medicare Advantage plans are not supplemental insurance, but rather health insurance plans of their own. Medicare Advantage can also include prescription drug coverage in addition to vision, hearing, and dental. In most cases, you can join even if you have been diagnosed with a pre-existing condition, except for End-Stage Renal Disease. Medicare Advantage plans must follow guidelines established by Medicare, but they can vary in terms of costs and rules.
What Does Part “D” Prescription Drugs Cover?
Medicare Part D Prescription Drug Coverage
Medicare Part D prescription drug coveragehelps beneficiaries pay for covered prescription drugs bought at certain centers, including retail locations and pharmacies. This benefit could help reduce prescription drug costs significantly.
Where to Get A Medicare Part D Prescription Drug Plan?
Prescription drug coverage is available to every Medicare beneficiary. But, if you don’t choose a Medicare Part D plan when you are eligible, and you don’t join a Medicare Part C plan (Medicare Advantage) that includes prescription drug coverage, you could pay a late enrollment penalty if you try to join later. Exceptions exist if you have creditable prescription drug coverage or if you receive Extra Help.
Medicare Supplement / Medigap Plans
Choices and Options
Medicare supplement plans are sometimes called “Medigap Policies.” These plans can help pay for health care costs like co-payments, coinsurance and deductibles, which Medicare Parts A and B don’t cover. If the cost of your medical treatment is exceptionally high, a Medicare supplement plan could be very beneficial to you. Medicare supplement plans don’t cover everything though, so it’s important to research what will be covered to help you make a more informed decision.
What is Medigap? What is a Medicare Supplement ? They are the same, just different descriptions and names.
Medigap is Medicare supplement insurance, which can help pay for health care costs that Medicare Parts A and B don’t cover. You will usually have to have Medicare Part A and Part B to buy a Medigap policy. Medigap policies cannot be obtained with Medicare Advantage. Medigap insurance is provided by private health insurance companies. A Medicare supplement policy must also follow Federal and state laws.