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Many folks who are close to age 65 have many things to be thankful for. One of those things is that their health insurance is about to become much more affordable.
Now, at age 65, everything changes. After paying into Social Security and Medicare for almost a lifetime, it’s time to collect on that lifelong commitment. Welcome to Medicare!
Medicare recipients who are enrolled in Medicare Part A or Part B are eligible to enroll in Medicare Part D prescription drug coverage. The plan is available to eligible individuals regardless of income and no medical exams are required when a policy is purchased.
Medicare Part D is voluntary unless you are getting prescription drugs through Medicaid
Original Medicare Part C is what is commonly known as a Medicare Advantage Plan. It is a method in which people who have Medicare Part A and Part B can get those benefits via a private insurance company rather than the federal government.
Medicare Advantage Plans are offered by private insurance companies who are required to offer at least the same coverages that Medicare Part A and Part B offer.
HealthPlans2Go is an online independent insurance agency that specializes in health insurance for families and seniors. Rather than having to meet with an insurance agent face-to-face, health insurance shoppers in most states can compare health insurance rates for short-term health insurance, Medicare Supplements, Medicare Advantage plans, Part D drug plans, and dental insurance.
All rate comparisons and applications can be processed in the comfort of your home online and over the phone.
Short-term health insurance is a temporary health insurance policy that is designed for healthy individuals and families who need a bridge from one comprehensive health plan to another.
If you’re between employers and your COBRA coverage is unaffordable, short-term health insurance is an affordable solution that is quick and easy. A short-term health plan is also an excellent solution for college students.
ACA Health Insurance was created and designed to reduce the cost of comprehensive health insurance for individuals and families who qualify.
This new healthcare law includes premium tax credits for those who qualify and cost-sharing reductions to reduce the cost of health insurance for the individuals and families who could afford or qualify for health insurance in the past.
Frequently Asked Questions
How does Original Medicare work?
When you enroll in Original Medicare, you qualify for hospital coverage (Part A) and doctor’s coverage (Part B). Although there is no premium charged for hospital coverage, you will be charged a monthly premium for doctor’s coverage and have to pay out-of-pocket for the annual deductible, copayments, and coinsurance.
Will Medicare cover My Annual Physical?
Although Medicare does not cover a traditional physical, you are covered for the “Welcome to Medicare” office visit and an annual “Wellness Visit” which is very similar to a traditional physical.
When is the Open Enrollment Period?
The Open Enrollment Period happens each year from October 15th through December 7th. During this time period you can join, change, or drop your plan. Your new coverage will then start on January 1st of the following year.
Is Medicare Advantage really Free?
Although some Medicare Advantage Plans do not charge a monthly premium, you must continue to pay your Part B premium to Medicare each month. Most free Medicare Advantage Plans are offered in geographic areas where there are sufficient healthcare providers who’ve joined the network.
What does a Medicare Supplement Help With?
Medicare Supplements are designed to fill in the coverage gaps in Medicare Part A and Part B. These gaps are created by annual deductibles, copays, and coinsurance associated with Original Medicare. A Medicare Supplement plan (Medigap) can significantly reduce out-of-pocket healthcare expenses.
What is Telemedicine?
Telemedicine is a new technology-based healthcare service that allows patients to meet with their healthcare providers virtually rather than having to meet with them in person. Telemedicine has been especially useful for patients and their doctors during the Covid – 19 pandemic.