F.A.Q.
What is Part A?
Part A (Hospital Insurance) helps cover:
- In patient hospital care
- Skilled nursing facility care
- Hospice care
- Home health care
What is part b?
Part B (Medical Insurance) helps cover:
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable Medical equipment
- Many preventive services
- You may incur monetary penalties for failure to enroll when first eligible
what is part c?
Part C (Medicare Advantage Plans) are:
- Offered by private insurance companies
- “All-in-one” plans that combines Part A, B and most times Part D.
- An alternative to Original Medicare
- May have lower out of pocket costs than Original Medicare.
- Most plans offer extra benefits not found in Original Medicare – like dental, vision, hearing, non-emergency transportation etc.
:
what is Part d
Part D (Medicare Prescription Drug Plan) (PDP):
- Offered by private insurance companies
- Helps to cover the cost of prescription drugs
- May help lower your prescription drug costs
- You may incur monetary penalties for failure to enroll when first eligible
F.A.Q.
Other frequently asked questions
No. The Centers for Medicare and Medicaid Services (CMS) prohibits enrollment in both at the same time.
Medicare is a Federal entitlement program for people age 65 and older, or people under 65 with certain disabilities, no matter your income.
Medicaid is a needs based State and Federal program that provides health coverage for people with very low income.
Yes. Regardless of which type of plan you choose, you must continue to pay your Part B premium, unless you qualify for certain levels of extra help or Medicaid.
Contact the Social Security Administration at 800 772 1213 or www.ssa.gov
No, but most Medicare Advantage Plans (offered by private insurance companies) include dental, vision and hearing aids as extra covered benefits.
Most Medicare Advantage Plans Include Prescription Drug coverage. If your plan does not include Prescription coverage you may add one only if you’re enrolled in a PFFS Plan that doesn’t include drugs. CMS prohibits adding a Prescription Drug plan to an HMO or PPO plan which excludes prescription drugs.
Three months before you become eligible for Medicare, you should apply for Part A and B through the Social Security Administration. Then, you may enroll into a Medicare Plan. You have an Initial Enrollment Period (IEP) of 7 months. Three months before your 65th birthday, the month of your birthday, and three months after. For Medicare Advantage Plans the Annual Enrollment Period (AEP) is October 15 through December 7th each year. Next you have Special Election Period (SEP) for life events, e.g. when you permanently move out of you plan’s service area, or you lose group coverage, or, when you gain or lose extra help etc.
Medicare Supplements have a continuous enrollment window, so you may enroll anytime.