Medicare
What is Original Medicare?
- Part A (Hospital Insurance).
- Part B (Medical Insurance).
- Additional coverage options:
- Part D (Drug Coverage).
- Medigap Supplement Insurance
What is Medicare Advantage?
- Also known as Part C.
- Health Maintenance Organizations.
- Preferred Provider Organizations.
- Special Needs Plans & More.
Original Medicare
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Parts A & B – Original Medicare Coverage
What is Original Medicare?
- Part A (Hospital Insurance).
- Pan B (Medical Insurance).
- Additional coverage options:
- Part D (Drug Coverage).
- Medigap Supplement Insurance.
What Services does Pan A Cover?
- Inpatient Hospital Care.
- Skilled Nursing Facility (SNF).
- Home Health care.
- Hospice Care.
What Services does Pan B Cover?
- Outpatient Care & Doctor Visits.
- Preventive Screenings & Shots.
- Durable Medical Equipment.
- Lab Tests, X-Rays & More.
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Parts A & B – Original Medicare Enrollment
When can I sign up for Medicare?
- Initial Enrollment Period.
- Special Enrollment Period.
- General Enrollment Period.
- Sign up for Parts A and B.
When is my Initial Enrollment Period?
- 3 Months before You turn 65.
- Birth Month.
- 3 Months after You turn 65.
- Enroll in Medicare Parts A & B.
How do I sign up for Pans A & B?
- Sign up with Social Security.
- Online at ssa.gov.
- Call 1 - 800-772-1 21 3.
- Make appointment with local SSA.
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Parts A & B – Delayed Original Medicare Enrollment
When is my Special Enrollment Period?
- 8 Months after losing creditable Group Health Plan coverage due to working past age 65.
- Sign up for Parts A and/or B.
- Avoid Late Enrollment Penalty.
When is my General Enrollment Period?
- Every Jan 1 through March 31.
- Sign up for Parts A & B if you missed the Initial Enrollment Period.
- Late Enrollment Penalty may be added to monthly premium.
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Part D - Medicare Prescription Drug Plan Coverage & Enrollment
What is a Prescription Drug Plan?
- Also known as Part D.
- Stand alone prescription drug coverage offered by private health insurance companies.
What Services does Part D Cover?
- Prescription Drug copayment & coinsurance costs.
- All costs for Medicare-covered vaccinations.
How do I sign up for Part D?
- Must have Parts A and/or B to join.
- Ask HI SHIP for a -Plan Comparison.
- Contact Health Insurance plan to purchase (contact information in back of Medicare & You handbook).
When is my Special Enrollment Period for a Part D Prescription Drug Plan?
- 63 days after losing creditable drug coverage.
- Sign up for stand alone Part D Plan.
- Avoid Late Enrollment Penalty.
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Medigap – Medicare Supplement Insurance Coverage & Enrollment
What is a Medigap?
- Medicare Supplement Insurance.
- Covers some services not covered by Original Medicare.
- Does not coordinate with Part C.
What Services do Medigaps Cover?
- Parts A & B Coinsurances.
- Parts A & B Copayments.
- Parts A & B Deductibles.
- Foreign Travel Emergency & More.
How do I sign up for a Medigap?
- Must have Part Band be GS years or older.
- Ask HI SHIP for a Plan Comparison.
- Contact Medicare Supplement Insurance Company to purchase.
Medicare Advantage
What is Medicare Advantage?
- Also known as Part C.
- Health Maintenance Organizations.
- Preferred Provider Organizations.
- Special Needs Plans & More.
What Services does Part C Cover?
- Parts A & B Services & Supplies
- May Include:
- Part D Drug Coverage.
- Extra Benefits.
How do I sign up for Part C?
- Must have Parts A & B to buy Part C.
- Ask HI SHIP for a Plan Comparison.
- Contact Health Insurance plan to purchase (contact information in back of Medicare & You handbook).
