VB Connector Aging Well Jan/Feb 2024

Page 1

What are the parts of Medicare?

Part A (Hospital Insurance)

Helps cover:

• Inpatient care in hospitals

TURNING 65

• Skilled nursing facility care

• Hospice care

• Home health care

See pages 25–29.

If you are reading this article you should be turning 65 either in April or May of this year. You are entering into your Initial Enrollment Period for Medicare. A most important health care benefit that you have been paying into since your first paycheck. You need to take steps to enroll in Medicare unless you are already receiving Social Security. If so, you should receive your Medicare card soon. If you are still working and have health insurance through your employer, you have some number crunching to do to see which option will be the most affordable and beneficial.

Part B (Medical Insurance)

Helps cover:

• Services from doctors and other health care providers

• Outpatient care

• Home health care

• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

To do this cost benefit analysis it is recommended to have a consultation with some who specializes in Medicare plan reviews. I have been doing them on a complimentary basis since 2005. We will explore what your employer coverage will provide, and cost compared to your two basic options with Medicare. You can see a printout from the Medicare and You book in the magazine.

• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

See pages 29–54.

Part D (Drug coverage)

Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

This can be a confusing and challenging decision for many to include being sure your doctors take the plan you want to enroll in as well as what your medications will cost on that plan. Both those concerns and more will be covered in the consultation. I look forward to hearing from you on when you would like to schedule a consultation either in your home, my office, or virtually.

Plans that offer Medicare drug coverage (Part D) are run by private insurance companies that follow rules set by Medicare.

See pages 79–90.

Replace your Medicare card

Need to replace a damaged or lost Medicare card? Log into (or create) your secure Medicare account at Medicare.gov to print or order an official copy of your Medicare card. You can also call 1-800-MEDICARE (1-800-633-4227) and ask for a replacement card to be sent in the mail. TTY users can call 1-877-486-2048.

If you get Railroad Retirement Board (RRB) benefits, you can call 1-877-722-5772 to get a replacement card. TTY users can call 1-312-751-4701.

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A quick look at your Medicare coverage choices

There are 2 main choices for how you get your Medicare coverage. These choices will be explained in more detail on the next page and throughout this book.

(See pages 61–64)

This includes Part A and B.

(See pages 65–78)

These plans are like HMOs or PPOs, and typically include Part A, B, and D.

Part A

Hospital Insurance

Part B

Medical Insurance

You can add:

(See pages 83–96)

Part D

Medicare Prescription Drug Coverage

You can also add:

(See pages 79–82)

Medigap Medicare Supplement Insurance

(Medigap policies help pay your out-of-pocket costs in Original Medicare.)

Part D

Medicare Prescription Drug Coverage

(Most plans cover prescription drugs. If yours doesn’t, you may be able to join a separate Part D plan.)

4
Option 1: Option 2: Original Medicare Medicare Advantage (Part C)
A Hospital Insurance
Part
Part B Medical Insurance
22 | CONNECTORMAGAZINES.COM

Things to consider when choosing your Medicare coverage

These topics are explained in more detail throughout this book.

Original Medicare Medicare Advantage

There’s no limit on how much you pay out-of pocket per year unless you have supplemental coverage.

Medicare covers medical services and supplies in hospitals, doctors’ offices, and other health care settings. Services are either covered under Part A or Part B.

You can add a Medigap policy to help pay your out-of-pocket costs in Original Medicare, like your deductible and coinsurance

Cost Plans have a yearly limit on your outof-pocket costs. If you join a Medicare Advantage Plan, once you reach a certain limit, you’ll pay nothing for covered services for the rest of the year.

Coverage*

Supplemental coverage

Plans must cover all of the services that Original Medicare covers. Plans may offer benefits that Original Medicare doesn’t cover like vision, hearing, or dental.

It may be more cost effective for you to join a Medicare Advantage Plan because your cost sharing is lower (or included). You can’t use (and can’t be sold) a Medigap policy if you’re in a Medicare Advantage Plan.

You’ll need to join a Medicare Prescription Drug Plan to get drug coverage.

You can go to any doctor that accepts Medicare.

Prescription drugs*

Doctor and hospital choice

Most Medicare Advantage Plans include drug coverage

You may need to use health care providers who participate in the plan’s network . If so, fi nd out how close the network’s doctor or pharmacies are to your home. Some plans offer out-ofnetwork coverage.

You can get a snapshot of the quality of care health care providers (and facilities) give their patients by visiting Medicare.gov

Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental insurance that offers travel coverage.

Quality of care

The Medicare Plan Finder at Medicare.gov/find-a-plan features a star rating system for Medicare plans

Travel Plans usually don’t cover care you get outside of the U.S.

* If you have other types of health or prescription drug coverage, check to see how it works with the type of coverage you’re considering before you make any decisions or changes.

5
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MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

Medicare approved grocery benefits under certain conditions for 2022. am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare approved grocery benefits under certain conditions for 2022. I am very grateful to have helped hundreds of Medicare beneficiaries obtain thousands of dollars worth of groceries this year. Please contact me to see if I can help you.

YOUR HOMETOWN INSURANCE

MEDICARE EXPLAINED IN CLEAR TERMS to help you undertand ALL coverage available to meet your unique healthcare needs

SPECIALIZING

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

YOUR HOMETOWN INSURANCE GROUP

Integrity Insurance Services is credentialed with the top Medicare carriers in our market. requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Integrity Insurance Services is credentialed with the top Medicare carriers in our market. CMS requires us to let you know. “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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HAMPTON ROADS
MEDICARE SPECIALIST AGENT DALE S. WHITE DALE S. WHITE (757) 650-2500 daleswhite@integritymedicareva.com Your hometown insurance group – specializing in Medicare Coverage for our neighbors in and around Hampton Roads. Free Healthcare Assesment No Commitment Medicare Explained in Clear Terms
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