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Medicare Programme Medicare options and supplements

if you’re in a Medicare Advantage Plan, you can switch plans or return to Original Medicare and join a separate Medicare drug plan.

Medicare is the national health insurance program for American citizens age 65 and older, younger individuals with certain disabilities, and those with end-stage permanent kidney failure.

Medicare is funded through the Social Security and Medicare taxes that are taken out of your income, premiums paid by users enrolled in Medicare programs, and through a portion of the federal budget.

Medicare different parts

Medicare Part A

Medicare Part A is hospital insurance. When enrolled in Medicare Part A, hospital expenses like inpatient hospital visits, skilled nursing care in a nursing facility, hospice, and in-home health care services are covered

Medicare Part B

Medicare Part B is health insurance. When enrolled in Medicare Part B, users receive coverage for necessary medical services including doctor’s office visits, lab work, x-rays, outpatient care and surgery, medical care, and preventative medical services. Part B also covers medically necessary durable equipment like wheelchairs and walkers.

Medicare Part C

Medicare Part C is also referred to as Medicare Advantage, a type of Medicare plan offered through Medicare-approved private companies that include all Medicare Part A and Medicare Part B coverage. Medicare Advantage plans offer access to HMOs, PPOs, private fee-for-service plans, and special needs plans and can help reduce overall medical costs for some users

Medicare Part D

Medicare Part D is prescription drug coverage. Each Part D plan includes different lists of approved drugs that have different associated costs.

What does Medicare cover?

Medicare offers comprehensive health care coverage but may not cover every test, item, or service.

This is why it is crucial to pay attention during the Medicare enrollment period in order to make sure that you enroll in the right care plan for your needs.

As outlined above, Medicare Part A covers hospital visits and related services, Medicare Part B covers medical services like visiting a doctor, exams, check-ups, and preventative screening services, and Medicare Part D covers prescription drugs. Medicare Advantage (Medicare Part C) plans include a combination of services offered through Medicare Parts A, B, and D.

What is not covered by Medicare?

If you pay the additional premium, some Medicare Advantage plans, however, will include these services.

Medicare Part A and Medicare Part B do not include coverage for services that are often considered elective. Some of these services include dental care and dentures, cosmetic surgery, hearing aids, or eye exams for glasses. If you pay the additional premium, some Medicare Advantage plans, however, will include these services.

To determine whether or not a particular service is offered through Medicare, visit Medicare.gov’s coverage checker to see if your treatment is covered.

Time For Medicare Coverage

Eligibility and Enrollment

Now that you understand the basics of Medicare, the next step is finding out if you are eligible for coverage. Once you turn 65, you have a seven-month period to enroll before you experience a gap in medical insurance coverage or have to pay a penalty.