Frequent Asked Questions (FAQs)
Everyone has questions about Medicare! It just goes with the territory. While there is no cookie-cutter list of questions (or answers) that apply to everyone, we have collected the most common questions … and answered them for you. Check back often as we add more Q&As!
FAQs (and the Answers)!
QUESTION: What does Medicare cover?
ANSWER: Original Medicare consisted of :
- Part A. Covers Hospital and some Skilled Nursing, and Hospice
- Part B. Services from Doctors and other health care providers, Durable medical equipment, outpatient care and many preventive services.
Since Original Medicare Parts C and D have been added.
- Part C. (Medicare Advantage) includes all the benefits and services covered under Part A and Part B, generally includes a prescription drug plan, run by Medicare approved private insurance companies. May include extra benefits such as some Vision and Dental, and Silver Sneakers (gym membership).
- Part D. Helps cover the cost of prescription drugs and run by approved private insurance companies.
QUESTION: What doesn’t Medicare cover?
ANSWER: Original Medicare does not cover:
- Cosmetic surgery
- Most Dental care
- Routine eye exams
- Hearing aids and exams for fitting them
- Long-term care
QUESTION: What is original Medicare?
ANSWER: Original Medicare consists of Part A & B. Part D has been added. Medicare Advantage Plans & Part C are not part of Original Medicare.
QUESTION: Do I have to sign up for Medicare if I am still working?
ANSWER: When turning 65 and still working or covered under a spouses plan wants to sign up for at least Part A.
QUESTION: How much does Medicare cost?
ANSWER: The cost of Medicare is based on your adjusted gross income and runs from $135.50 to approximately $500. The prescription drug plans start from $13.40 and increase depending upon the plan.
QUESTION: When can I change plans?
ANSWER: The yearly Medicare Open Enrollment / Annual Election period typically runs from the mid-October through the first week of December.
QUESTION: What are my rights if I move out of my plans service area?
ANSWER: For those who move and are out of the coverage area, they become eligible for guarantee issue, however for a shorter period of time.
QUESTION: I am turning 65 in a few months, why am I getting so much mail and so many phone calls about Medicare Health plans?
ANSWER: We all get inundated with phone calls and mail because we are in the guarantee period which means we are guaranteed coverage regardless of our health.
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Confused with the Medicare Part D Application?
Medicare prescription drug coverage is an optional benefit. Medicare offers prescription drug coverage to everyone with Medicare.
To get Medicare drug coverage, you must join a plan approved by Medicare that offers Medicare Drug Coverage. Each plan can vary in cost and drug coverage. (Source: Medicare.gov)
To help you with your Medicare Part D application, we’ve created a Step-by-Step plan.
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