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MEDICARE PLANS

Medicare can seem complex on your own. We’re here to help!

How Medicare Works

Medicare is a federal insurance program that
provides health insurance for people 65 and older and individuals younger than 65 that may qualify due to a disability. There are four different parts to Medicare — Part A, B, C, and D. See below to learn more about each part!

Medicare Supplements  

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Medicare Advantage Plans   

Medicare Advantage Plans provide the same coverage as Original Medicare. Medicare Advantage Plans may also provide additional benefits like prescription drug coverage. Click arrow to learn more.

CLICK A, B, C and D to learn about the 4 parts of Medicare

MEDICARE PART A

Medicare Part A is inpatient and hospital insurance. Part A coverage applies to:

Inpatient hospital care

  Skilled nursing care

  Hospice care

  Some home health care

MEDICARE PART B

Medicare Part B is outpatient medical insurance. Part B coverage
applies to:

Services from doctor

Outpatient care

Durable medical equipment

Preventative services

MEDICARE PART C

Medicare Part C (Medicare Advantage) are privately managed, federally approved Medicare plans. Part C plans combine the benefits of Part A and B into one plan and may also include:

Prescription drug coverage

Dental, vision, and hearing coverage

Wellness programs and telehealth

MEDICARE PART D

Medicare Part D plans provide beneficiaries with privately managed, federally approved prescription drug coverage. Medicare Part A and B don’t offer prescription drug coverage, so Part D helps:

Manage prescription drug costs

Provide discounts at in-network

MEDICARE SUPPLEMENTS

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MEDICARE ADVANTAGE PLANS

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1. You must continue to pay your Medicare Part B premium.  When enrolling in a Medicare Advantage plan, Medicare then gives your premium to the Medicare Advantage plan to help pay for your additional coverage.

 

2. Medicare Advantage has you covered. Medicare Advantage plans must cover all the services that Original Medicare covers and many offer additional benefits.   Important: Hospice care is still covered under Original Medicare.

 

3. Joining a Medicare Advantage plan may affect your current coverage. If you have existing coverage or employer‑provided health insurance and plan to work past 65, check to see how joining a Medicare Advantage plan could affect or cancel your current coverage.

 

4.It’s best to use network providers. Use of network health care and pharmacy providers is typically required. Using providers outside of the network may cost you more or not be covered at all. In an emergency, you can use any provider.

 

5. You may qualify for financial assistance. Depending on your financial situation, you may qualify for help paying your plan premiums or Part D medications through a low income subsidy or Extra Help.

 

6. If you enroll in Part D late, you may pay a penalty. This is an additional amount charged by Medicare that will be added to your Part D premium if you go without Part D coverage for longer than 63 days in a row after your Initial Enrollment Period. Medicare Advantage plans that include Part D coverage meet Medicare coverage requirements.

 

7. A Medicare supplement insurance plan (Medigap policy) is not a Medicare Advantage plan. Medicare supplement plans are private health insurance policies and are secondary to Original Medicare.  Medicare Advantage plans combine Original Medicare Parts A and B, and often Part D, into a single plan.

 

8. Keep your Medicare Advantage member ID card handy.  Members must present their member ID card, not their Original Medicare card, when receiving services.

 

9. Medicare Advantage offers the same protections as Original Medicare. Even though Medicare Advantage plans are privately administered, you still have the same rights and protections as with Original Medicare.

 

10. You have a built-in financial safety net.  All Medicare Advantage plans have an annual out‑of‑pocket maximum, that ensures you’ll never pay more than a certain amount out of pocket in a given plan year for covered medical services.