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Medicare Options, please read "In my opinion… a brief overview of Medicare"
ANY Questions???.... PLEASE
call me, Sam Schoppenhorst 520-318-4800
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Medicare 2009 Handbook This government publication could be called "Most anything you need to know about Medicare". Although it's not a best seller, you will be informed! The Official U.S. Government Site for People with Medicare Frequently Asked Questions |
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Part D
PDP |
Although some Medicare Advantage plans include prescription coverage, especially if you are using a lot of medications, we suggest you run the Medicare program (link below) and key in all of your prescriptions. It will give you a non-biased analysis showing your cost for each plan. |
In my opinion… a brief overview of Medicare by Sam Schoppenhorst.
Going on Medicare, or if you are already on Medicare… I recommend you read the official government handbook “Medicare & You” Some of the following information has been taken from that handbook.
In most cases, when you first get Medicare, you are in the Original Medicare Plan. Part A helps cover hospitalization, as well as blood, home health services, hospice care and skilled nursing care. Generally there is no premium for part eight, because either the recipient or their spouse paid Medicare taxes while they were working. Part B helps cover medical services like doctors’ services, outpatient care, and other medical services that Part A doesn’t cover. Part B is optional, it helps pay for covered medical services and items when they are medically necessary it also covers some preventive services. Generally Part B covers services out of the hospital such as doctors, clinical and laboratory services, emergency room services, durable medical equipment, diabetic supplies, eye and foot exams, some well exams in screenings, physical therapy etc.
In addition to original Medicare, you may want to consider a Medicare supplement/Medigap policy to cover your out of pocket costs under both Medicare Parts A & B as well as a Medicare Prescription Drug Plan (Part D) to add drug coverage. These are two different insurance policies, each of which has premiums.
Because part A is so limited, we believe it is most important for you to opt for and pay the extra premium for part B coverage. Without part B coverage you cannot purchase a Medicare supplement or enrolled in a Medicare part C plan.
Or, you may want to consider a Medicare Advantage Plan (Part C) (like an HMO or PPO) that provides all your Part A, Part B, and often Part D coverage. You make a choice when you are first eligible for Medicare. Each year you can review your health and prescription needs and switch to a different plan in the fall. Generally speaking, the Medicare advantage plans have little or no monthly premiums. This is possible because Medicare pays an amount of money for your care every month to these private health plans, whether or not you use services.
When considering which options are best for you, please consider…
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