Medicare
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Recent rate increase?
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Medicare Advantage Plans/Medicare Part C
Run by private insurance companies approved by Medicare.
Ensures coverage for Medicare Parts A and B, although costs for specific services may differ.
May include extra benefits like incorporated Part D coverage, dental, vision/hearing benefits, and gym memberships, etc.
Offered as HMO, PPO, and PFFS plans. Many HMOs have simplified the process by removing the requirement for a referral from a primary doctor to see a specialist.
Doctors can choose whether or not to accept the plan.
Expect potential changes to plans on an annual basis.
Medicare Supplement/ Medigap
Provided by private insurance carriers to help cover eligible costs uninsured by traditional Medicare.
Medicare usually handles 80% of your costs, and supplements take care of the remaining 20%.
Go to any doctor that accepts Medicare patients, no referrals needed.
To qualify for a Medigap plan, it's necessary to be enrolled in Medicare Parts A and B.
You're eligible to get a supplement plan during the first six months of having Parts A and B, regardless of any pre-existing health conditions.
Be aware that the cost of supplement plans can increase over time.
Prescription Drug Plans/Medicare Part D
If you're eligible for Medicare Part A or already enrolled in Part B, you have the opportunity to join a Medicare Part D prescription drug plan.
This can be supplementary to your Medicare Part A and Part B coverage as a stand-alone plan, or integrated into a Part C Medicare Advantage managed care plan, encompassing hospital, medical, and prescription drug insurance.
This can be an advantageous option for those who require expensive medications, as it may help manage and potentially reduce your out-of-pocket prescription drug costs.