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How to Get the Right Medicare Coverage – “Clear as Mud?”

If you’re confused by Medicare Part A and Part B, Medicare Advantage plans, Medicare Supplement plans and Part D prescription plans, you’re not alone. The one thing most people say about Medicare is that it’s complicated and confusing! But if you don’t take some time to understand what Medicare will and will not cover, you could be blindsided by doctor and hospital bills that you’re not prepared to pay.

Here’s some help so you don’t feel like you’re wandering through an endless maze of Medicare jargon. It works like this…

There are two kinds of Medicare – Original Medicare and Medicare Advantage.  Original Medicare is run by the federal government, while Medicare Advantage is privately run, though it provides coverage similar to the Original Medicare.  If you don’t enroll in a Medicare Advantage plan, you are automatically enrolled in Original Medicare.

Underlying both kinds of Medicare coverage, there are basically four parts.  Part A deals with home health care, hospice, hospital and skilled nursing facility care. Part B handles services and supplies from doctors and other non-hospital providers. The amount of coverage may be complete or partial.  In Original Medicare, you also have the option to enroll in Part D, which offers prescription drug benefits.  Part C, in essence, is the Medicare Advantage program.

You can rely on Original Medicare – that’s Part A and B – or you can get your Part A and B coverage through a Medicare Advantage plan from a private insurer. Advantage plans typically add coverage for dental, hearing and vision not available with Original Medicare.

If you choose Original Medicare, you can select any one of 10 Medicare Supplement plans, often referred to as Medigap plans, to pay for Medicare’s deductibles for doctor and hospital care, as well as co-pays to see doctors and co-insurance (the part of your bill you pay even with Medicare coverage). And, like Advantage plans, Medigap plans offer benefits not found in Original Medicare.

At MediGap Advisors, we realize there’s a lot to learn about Medicare, Medicare Advantage plans and Medigap plans.  However, you don’t need to know it all.  We’ve spent years building our comprehensive resources so we can answer your questions in simple, easy-to-understand terms and help you key right in on the plan that best serves your particular needs and preferences. You can learn more about Medicare and how you can make the most of your Medicare coverage by visiting us online at MediGapAdvisors.com, or just call us at 866 323-1441. Your Personal Advisor will help you compare plans and pick the best options. There’s never a fee for our services and we can arrange for an “off-hours” telephone appointment time so you can have a relative join us. With professional help from the experts at MediGap Advisors, you don’t have to “guess” about your Medicare coverage any more.

Author: Jim McFadden
Jim McFadden has over 11 years of executive-level experience in the health insurance industry, is a youth baseball, softball and football coach, and has one of the worst fantasy football records in the world.

 

 
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