To get started it’s important that you know how Medicare works. Original Medicare is a federal program offered to United States citizens and permanent legal residents who have lived in the U.S. at least 5 continuous years who are age 65 or older. Medicare also offers this type of insurance to people who are under 65 and that qualify to be on disability. Under the Original Medicare insurance, Medicare Part A covers inpatient hospital care, post-hospitalization care in a skilled nursing facility, some home health visits, and hospice care. Medicare Part B covers doctor’s care in the diagnosis and treatment of illnesses or injuries, some disease prevention screenings and checkups, outpatient services such as physical therapy, lab work, and x-rays. Certain medical supplies such as durable medical equipment, and limited home health care services are also covered.
Original Medicare does not cover most prescription drugs (except for medications during a hospital stay, or certain prescription drugs administered to you as an outpatient). It also doesn’t cover medical care or supplies received outside the United States. Original Medicare does not cover routine dental and vision care, nor dentures. It does not generally cover long-term skilled nursing care. You may have expenses relative to Original Medicare. You must pay a yearly deductible for both Medicare Part A and Part B, and make copayments for extended hospital stays. Under Part B, you must pay the 20% of the doctor’s bills Medicare does not pay.
The Medicare Supplement plans are the more simple plans that you can get in the Medicare world. These plans are standardized, which means no matter what insurance company you go with the plan benefits will not change. The only thing that can be different is the price. Each insurance company can charge different prices. So the best thing to do is figure out what plan best fits your situation and then look at the different insurance companies to see who is offering the cheapest rate. There are 3 plans that I recommend to all of my clients; those are plans F, G, or N. These plans can fit all different kinds of situations and they have different price ranges. Feel free to pause this video for more information.
You can also feel free to give us a call here at 1-800-Medigap/1-800-633-4427 for information in more detail.
Incline.Media is owned and operated independently of our users, a make no claim to their viability. When it comes to Medicare Supplements we suggest you contact a licensed medicare supplemental insurance agent in your area or call our friends at 1-800-MEDIGAP .
This Website serves as an invitation for you, the customer, to inquire about further information regarding Senior Drug Prescription Insurance or Medicare insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of this insurance if you desire.
Many of our customers in this category are licensed agents that may call you and are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.