Adding Part B Coverage to Your Medicare Insurance

When you became eligible for Medicare, you signed up for Part A, also known as “Hospital Insurance,” but decided to delay enrolling in Part B. Since then, your medical needs may have changed, or you simply realized that you would prefer the security of having Medicare’s Part B coverage, which acts as “Medical Insurance” and includes many benefits, including important preventive services.  It’s not too late to enroll in Part B, but you may want to consider your options now, during the General … [Read more...]

The Vocabulary of Medicare Part D

If you are approaching Medicare eligibility, you may be bogged down with all the new vocabulary you are encountering. Part D is just one part of the Medicare arena, and yet it can seem confusing for newcomers. These basic terms should help you get started.  Part D: Part D is the Medicare prescription drug coverage offered to anyone eligible for Medicare. PDP: A PDP is a Prescription Drug Plan run by a private insurance company. The prescription drug coverage can be offered in a stand-alone … [Read more...]

Medigap Comparison

If you are reaching Medicare eligibility and have chosen to receive your health care benefits through Original Medicare, you still have some decisions to make. Original Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.)  Original Medicare includes Part A (hospital insurance), which is usually … [Read more...]

Managing Diabetes

Don’t let a diagnosis of diabetes get you down. Managing diabetes is not only possible – it is easier than ever with the help of your Medicare coverage. Having access to Medicare’s services and supplies can help you live an active, healthy life. Your Medicare Part B coverage likely helped your physician diagnose your diabetes. Part B covers screenings to check for diabetes for those beneficiaries who may have high risk factors, including high blood pressure, a history of abnormal cholesterol … [Read more...]

Medicare Part B – Preventative Services

Medicare Part B, known as Medical Insurance, offers beneficiaries coverage for many important medical services and supplies. Many beneficiaries wonder if they need this coverage when they are first eligible for Medicare, especially if they are generally healthy. Aside from the late enrollment penalty you may have to pay if you don’t sign up when you are first eligible, there is another important reason to consider Part B coverage – Preventive Services! Although Part B is optional, many … [Read more...]

Part A and Part B – What’s Not Included

Part A (Hospital Insurance) and Part B (Medical Insurance) coverage will help cover medical expenses for Medicare beneficiaries, but, unfortunately there are certain benefits that you would have to pay for “out-of-pocket.” In these cases, you have the option to simply pay for the services or supplies yourself, or you can consider your healthcare coverage options and hopefully find additional coverage that would include the coverage you need. Part A includes coverage for hospital care, … [Read more...]

Special Enrollment Periods (SEP)

Now that Medicare’s Annual Enrollment Period is over, you may be wondering if you might have an opportunity to make a change to your Medicare health coverage before next year’s AEP begins on October 15. There are special circumstances that may allow you to switch plans or change the way you get your Medicare benefits throughout the year. Special Enrollment Periods can vary. “Rules about when you can make changes and the type of changes you can make are different for each SEP.” If you have … [Read more...]

A Month of Thanks and Giving

With Thanksgiving just around the corner, it is easy to get swept up in the hectic nature of the holiday. As we run around, making plans for a well-cooked turkey and the perfect pumpkin pie, we can forget about those in our community who may need our attention during this season, especially those living in nursing homes. If you have a loved one in an assisted living or skilled nursing facility, you may want to consider ways to bring the holiday spirit to them. Here are a few ways to include your … [Read more...]

The Importance of AEP

In preparation for Medicare’s Annual Election Period, health care companies review their own plans, make changes to coverage and costs, and sometimes add valuable benefits to their packages. This is why it is important to review your current coverage and explore your options during AEP. It is possible that there may be another plan available in your area that may cost you less and offer you additional benefits. Of course, you may stick with your current coverage if you are content with it, but … [Read more...]