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What is Medicare Supplemental Insurance?

 

Turning 65 is a milestone to be celebrated! Upon turning 65 you are eligible to receive Medicare benefits and your Open Enrollment period will begin 3 months before and end 3 months after your birthday. This is your Guaranteed Issue Period. During this time companies CANNOT refuse you coverage due to pre-existing conditions.

What is Medicare exactly? There are several parts to consider when making your health care insurance choices. Understanding Medicare and how it works will allow you to choose the best plan to fit your needs. Here is a brief summary of Medicare coverage:

  • Part A is Hospital Insurance. It helps cover inpatient care in hospitals, skilled nursing facilities, hospice and home health care.
  • Part B is Medical Insurance. It covers doctor and other healthcare provider services, outpatient care, durable medical equipment and home health care.
  • Part C is also known as Medicare Advantage. This plan offers options from Medicare-approved private insurance companies. Advantage Plans are a way to get benefits and services covered under Parts A, B and D and they may include additional benefits for an additional cost.
  • Part D is Medicare Prescription Drug Coverage and helps cover the cost of prescription drugs. This plan can help lower those costs and protect against higher costs being passed onto you.

You probably have plenty of questions regarding the different benefits for some of the plans mentioned above and the different companies who offer Medicare Supplemental Insurance, such as United American, Blue Cross Blue Shield, and Mutual of Omaha, just to name a few.

That’s where we come in. Choice Plus Benefits specializes in helping seniors with these important decisions and have been doing so for over 35 years.

With over 27 different prescription drug plans to choose from Medicare Part D can be overwhelming. Choice Plus Benefits will help you select the best plan for your needs, and manage it for you at no cost.

The Affordable Care Act also expands existing coverage for seniors, including preventive care and wellness visits without charging you for the Part B co-insurance or deductible. Seniors will no longer need to put off preventive care and check-ups, and will receive better access to cancer screenings, wellness visits, flu shots and much more.

With so many choices and so much information to absorb, let us clear it all up for you. Call Choice Plus Benefits today to begin your free benefits review.

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