When Can You Sign Up For Medicare?
Medicare is divided into four parts:
Part A: This covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. This also covers some of the expenses for doctors' services and outpatient care that lasts more than sixty days.
Part B: This covers doctor visits, outpatient care, and some other medical services.
Part C: This covers Medicare Advantage plans, which are privately managed Medicare health plans. These plans offer prescription drug coverage and may offer more coverage than original Medicare.
Part D: This covers outpatient prescription drugs.
When you enroll in Medicare, you will have to choose a plan that covers all the services you need. You can choose a fee-for-service plan, where you choose the doctors and hospitals you need and then you are billed directly; or a managed care plan, where you select a primary care doctor, who then chooses the other doctors, hospitals, and services your plan offers.
You will usually be automatically enrolled in Parts A and B when you are first eligible. You will receive information in the mail about which parts and services your health plan covers. You can also check out the Medicare Web site at www.medicare.gov to get information on the parts and services your health plan covers.
If you are married, your spouse can join you in your Medicare plan. However, you cannot join your spouse's plan. You can find out more on Medicare at the Medicare Web site at www.medicare.gov. Medicare.gov provides information on most Medicare topics, including prescription drugs, health plans, and more.
when can you enroll in medicare?
If you receive social security benefits, you automatically become eligible for Medicare when you turn sixty-five. If you do not receive social security benefits, you have to wait until you are sixty-five years old, but you can enroll in Medicare three months before your birthday. You can enroll in Medicare even earlier if you are disabled and meet certain requirements that are based on your disability.
You can find out more about Medicare from the Web sites at www.medicare.gov or www.socialsecurity.gov/medicare/.
what is a medicare supplement insurance policy?
Some people want additional coverage in case they need more than Medicare pays for. This is where a Medicare supplement insurance policy comes in. These plans are sold by private insurance companies and they pay some or all of the difference between the amount Medicare pays and what your doctor says you need.
Medicare supplement insurance, also called Medigap coverage, can help pay for the things that Original Medicare does not pay for, such as deductibles, coinsurance, and copayments. It can also pay for some of the things that Medicare does pay for but your doctor says you need extra help with, such as a wheelchair, a hospital bed, or nursing care.
Medicare supplement insurance plans can vary greatly from insurance company to insurance company. If you know how much coverage you need, it could be worth shopping around to see what's available at different insurance companies.
Some Medicare supplement insurance plans also include prescription drug coverage. The plans can be divided into different categories, depending on how much coverage you need. The plans are divided into the following groups according to the amount of extra coverage they offer:
A. Plans in this category pay amounts that are the same as the Original Medicare Parts A and B deductibles and copayments (except for skilled nursing facility care and hospice care, which are not included in this category).
B. Plans in this category pay a percentage of the Medicare deductibles and coinsurance (except for skilled nursing facility care and hospice care, which are not included in this category).
C. Plans in this category pay all the coinsurance amounts and the deductibles, but they generally only pay a percentage of the coinsurance amounts for covered doctor and outpatient hospital visits.
D. Plans in this category pay all of the coinsurance and deductibles plus some of the bills for some of the things that Original Medicare normally covers.
In addition to the different categories of Medicare supplement insurance plans, there are also plans that have an “F” at the end of the name. These plans are available in all states and they pay all the coinsurance amounts and the deductibles.
In addition to the different types of plans, Medicare supplement insurance can also come with the following features:
Cost-sharing: This means the plan covers a certain amount and then you have to pay a set amount for doctor and hospital visits.
Waiting periods: This means that you have to wait a certain amount of time before you can use a service if you have a Medicare supplement insurance policy.
Definitions: This means that the plan covers specific services, such as prescription drug coverage but not others, such as medical equipment.
The Medicare Web site at www.medicare.gov has a section on Medicare supplements. The information on the site will help you decide whether a Medicare supplement insurance policy is the right choice for you.
the medicare appeals process
If you disagree with something your doctor or a hospital says you owe, you may want to file an appeal. You can file an appeal with your Medicare health plan or with Medicare.
Your first step is to contact the health plan or the hospital where the service was provided. If you are not happy with how they handled your problem, you can then file a complaint with Medicare's contractor called the Medicare Appeals Council. If you are still not satisfied, you can then file an appeal with an independent contractor called the Health Plan Ombudsman.
The Medicare Appeals Council has a Web site that you can visit at www.appeals.gov. The site provides information on the appeals process and how to appeal service denials. You can also call the Medicare Appeals Council at 1-877-690-1012 or visit their Web site at www.cms.