subject: Easy Steps To Medicare Coverage [print this page] If you are new to Medicare health program, be mindful to understand the details of your policy because Medicare can be very overwhelming and may be difficult to understand. If you are an employee, look at your health coverage and verify if you have group coverage from your job. You will need to choose what part of Medicare you want to have, depending on your needs.
Once you have decided which part of Medicare you want, you will need to find the best choice from among the different plans. For Medicare part A & B, your location wont matter because they are the same all over the US. However, for part C and D which are offered by private insurance companies, you will have to find out whats available in your area.
Medicare is not a one shot solution to your healthcare bills. There are services that are not covered by Medicare because each part of Medicare has exclusions, and so you have to pay the excess expenses. Nevertheless, there are alternatives that can help you avoid these gaps.
Medicare part A & B does not cover certain services. To help you shoulder the extra bills, you can purchase Medicare supplement plans. These supplement plans are standardized by the Center for Medicare Services. They help pay the gaps between the amounts paid by the original Medicare and the actual amount charged by the hospital.
Another option is the Medicare advantage plan offered by private insurance companies. This plan covers all your Medicare part A & B benefits and also provides prescription drug coverage. However, you must ask if drugs are covered and be sure to know how much your monthly premium is. In some cases, you may still need to buy Medicare supplement plans especially if the coverage of your Medicare advantage plan is very limited.
Health insurance policies are static. As your situation changes, it is very important that you review your choices at least once a year so that you can make the necessary adjustments. If you feel the need to expand the coverage of your insurance policy and possibly realize the importance of having Medicare supplement plans, you have the opportunity to do it at least once a year depending on your medical condition.
by: Tyra Phillips
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