Proudly Serving all of PA & NJ
1. Parts of Medicare.
Medicare Part A (Hospital Insurance): Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.
Medicare Part B (Medical Insurance):Services from doctors and other health care providers Outpatient care Home health care Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment) Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
Part D (Drug coverage): 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.
Generally, you’re first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after the month you turn 65.
Most people sign up for both Part A (Hospital Insurance) and Part B (Medical Insurance) when they’re first eligible (usually when they turn 65). Keep in mind there are risks to signing up later, like a gap in your coverage or having to pay a penalty. However, in some cases, it might make sense to sign up later.
1. Create your secure Medicare account – Access your information anytime. You can also: Add your prescriptions to help you better compare health and drug plans in your area. View your Original Medicare claims as soon as they're processed. Print a copy of your official Medicare card. Review a list of preventive services you're eligible to get in Original Medicare. Learn about your Medicare premiums, and pay them online if you get a bill from Medicare. You’ll need your Medicare Number to create an account. If you don’t have your Medicare card yet, you can log into your secure Social Security account to get your Medicare Number, or call us at 1-800-MEDICARE (1-800-633-4227) for help. TTY users can call 1-877-486-2048. If you join a Medicare health or drug plan, your plan may offer an online account to track your claims.
2. Give Medicare permission to talk to someone you trust – We can’t share any information about your Medicare account, like claims or billing, unless you give us written permission first. Fill out and mail us an authorization form or log into your Medicare account to give us permission to talk to a person you trust (like a spouse, family member, or caregiver).
3. Find out if you qualify for help with costs – If you have limited income, you may qualify for help paying costs, like your premiums or for drugs. Find cost saving programs.
4. Go paperless –You can save and print information anytime for your records. Log into your account to get these items electronically: “Medicare & You” handbook – We’ll send you an email with a link to the PDF version. With the PDF version, you can enter search words to quickly find what you want, and print the pages you need. Original Medicare claims statements – You’ll get these statements, called Medicare Summary Notices, every month instead of waiting 3 months for them to arrive by mail. Access them anytime in your Medicare account.
5. Get your free "Welcome to Medicare" visit – Schedule this free preventive visit with your doctor during your first year with Medicare. You’ll talk with your doctor about your medical history, your health needs, and preventive services that may be right for you.
1. Employer Group Plan many plans have , co-pay, deductibles and or coinsurance charges.
2. Original Medicare which covers about 80% and you are responsible out-of-pocket for the rest.
3. Medicare Advantage Plans, typically an HMO, a managed care plan, co-pays, must stay within network) or PPO with monthly premiums, co-pays, deductibles and maximum out of pocket expenses for in and out of network benefits. Some plans require prioritization and prior approval.
4. Medicare Supplement with stand-alone Prescription Drug Plan. Note monthly premiums vary and can be used any provider that accepts Medicare without a referral.
Medicare Part A hospital insurance covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, home health care.
Medicare Part B (Medical Insurance) covers, including doctor and other health care providers' services and outpatient care. Part B also covers durable medical equipment, home health care, and some preventive services.
While Medicare covers many aspects of a person’s medical needs after age 65, there are some elements that are not covered by Medicare. Medicare doesn't cover everything. Some of the items and services Medicare doesn't cover include:
Note that however, Major Medical Eye Care, such as cataract surgery, diabetic eye check ups, and glaucoma, is covered by Medicare.
Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In most cases, you’ll need to use health care providers who participate in the plan’s network.
These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of network, but typically at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services.
Once piece of advice, keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare.
Below are the most common types of Medicare Advantage Plans.
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like: copayments, coinsurance and deductibles.
Medigap policies generally don't cover things like:
We recognize that Medicare can be a rather overwhelming and confusing especially when it comes to choosing a plan for the first time either turning 65 or retiring and leaving an employer group health plan or a retirement health plan. If you have any questions, or would like more information or just need an unbiased second opinion to weigh in on, call Chris Vedral 215-388-2158 or email firstname.lastname@example.org
Medicare Part C, also known as Medicare Advantage, is a popular alternative to Original Medicare. Learn more about the coverage these plans provide and how you can sign up
Ways to Save Money
Great way to save money on health care expenses
Many of your questions can be answered here
This short video will explain many of parts Medicare .
This short video will explain Medicare Open Enrollment .