Medicare
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info@uclifeandhealth,com
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Currently we represent eight organizations which offer 25 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local
State Health Insurance Program (SHIP) for help with plan choices.
Medicare
The Four Kinds of Medicare Options Explained
People who are 65 or older are generally eligible for Medicare, but some people may be eligible earlier. For example, people with certain disabilities, End-Stage Renal Disease (ESRD), or ALS may be eligible earlier.
While some are automatically enrolled in Medicare Parts A and B when they turn 65. Others may be able to delay Part B if they have employer health plan coverage. Part B is voluntary, and there is a premium to pay for coverage unless the state helps. Let’s take a look at the four parts:
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- Part A: Hospital Insurance, which covers inpatient hospital stays
- Part B: Supplementary Medical Insurance, which covers outpatient care, medical supplies, preventive services, and certain doctors’ services
- Part C: Medicare Advantage, which is an alternative way to receive Medicare benefits
- Part D: Medicare Prescription Drug Benefit, which covers prescription drugs
Original Medicare (Parts A & B)
This is the traditional program provided directly by the federal government and includes Part A (hospital insurance) and Part B (medical insurance). Seniors and people with disabilities can access a wide range of health services. It doesn’t include prescription drugs or additional services such as dental or vision care, which need to be bought separately. Beneficiaries are often left with Part B premiums and out-of-pocket costs, adding to their expenses.
Original Medicare (Parts A & B, with a Supplement)
A Medicare Supplement plan, also known as “Medigap,” is a private health insurance policy that you can purchase to help cover out-of-pocket costs associated with Original Medicare, such as copayments, coinsurance, and deductibles, essentially filling in the gaps left by your standard Medicare coverage; it’s sold by private insurance companies and is designed to work alongside Original Medicare Parts A and B. It is also very important to understand that you have a special window of opportunity to sign up for a supplement plan. Usually when you first become eligible for your Part B Medicare. After this ‘window’ closes, you will more than likely have to pass medical underwriting and can be denied coverage.
Medicare Advantage Plan (Part C)
Offered by private insurance companies approved by Medicare, these plans bundle Part A, Part B, and often Part D (prescription drug coverage). They usually provide additional benefits like dental, vision, and wellness programs. Many capture the essence of managed care, like HMO or PPO structures, to limit out-of-pocket expenses. Beneficiaries pay the Part B premium, sometimes an extra premium for added coverage, but often enjoy a more integrated and comprehensive package.
Drug Plan (Part D)
Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare. People on original Medicare OR original Medicare with a Supplement must have a stand-alone drug plan.
We do not offer every plan available in your area. We represent a number of Medicare Advantage organizations, which offer products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE