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MEDICARE SUPPLEMENT (MEDIGAP)
If you solely rely on your Original Medicare (Part A & Part B) for your medical coverage, you are responsible for the costs that Original Medicare does not cover, like copayments, coinsurance, and deductibles. The Medicare Original A & B do not cover 100% of medical expenses.
By having Medicare Supplement Plans, you can reduce the out-of-pocket costs associated with Original Medicare. These plans are standardized by letters between A and N. A Medigap plan can be used at any location accepting Original Medicare.
Medigap may pay all or a portion of Part A and B deductible, coinsurance, and copayments. Some Medigap plans cover foreign travel.
Medicare Supplement plans are different from Medicare Advantage Plans. Medicare Advantage Plans give other extra benefits, while Medicare Supplement plans only supplement Original Medicare benefits.
Remember that Medicare Supplement Plans do not cover Part D, Prescription Drug Coverage. Individuals with Medigap plans may only enroll through a stand-alone Part D.
A Medigap plan cannot be used with a Medicare Advantage plan and is NOT a Medicare health plan.
Medigap Open Enrollment: The enrollment period starts in the month of your 65th birthday or when you are enrolled in Medicare Part B for up to 6 months; you can buy any Medigap policy sold in your state, even if you have health problems.
Please contact us to learn more about the right Medicare Supplement coverage for you!
original medicare (part A & B) - MEDICIAD
Medicare Part A (Hospital Insurance)
Medicare Part A (Hospital Insurance)
Medicare Part A (Hospital Insurance)
In short, Part A is FREE for qualified individuals and covers inpatient care in Hospitals when they turn 65.
1. An individual who does not have enough 40 working quarters must pay the Part A monthly premium until he/she earns enough.
*** Late penalty of up to 10% may apply for individuals who don't enroll in Part A and/or B when they are first eligible.
2. There is a one-time deductible for the first 60 days of each benefit period. After 60 days, there is coinsurance per day for up to 90 days. After 90 days, you can use 60 lifetime reserve days with higher coinsurance. After these cover days, there is Unlimited out-of-pocket.
3. You only have 90 days of each benefit period for inpatient hospital and skilled nursing facility services. The new benefit period starts after 60 days, and you remain out of the hospital in a row.
4. 60 Lifetime reserve days can be used only once, with coinsurance daily.
5. Part A covers Blood, hospice care, home health care, skilled nursing, and inpatient psychiatric care for a limited number of days. You have to pay coinsurance.
6. Part A doesn't cover long-term care.
*** The premium, co-pay, coinsurance, and deductible differ and usually increase yearly. Double-check with Medicare.gov for the most current amounts.
Medicare Part B (Medical Insurance)
Medicare Part A (Hospital Insurance)
Medicare Part A (Hospital Insurance)
Part B covers outpatient care when they turn 65.
- There is a Part B monthly minimum premium that everyone has to pay (There might be a higher premium for higher income).
- There is a yearly deductible and a 20% coinsurance after the deductible.
Part B covers:
* Medically necessary services
* Preventive services
Original Medicare Parts A and B do not cover Dental care, Vision, Hearing, Footcare, or other services.
*** The premiums differ and usually increase yearly. Double-check with Medicare.gov for the most current amounts.
Under 65 Medicare Eligibility:
Under 65 Medicare Eligibility:
Under 65 Medicare Eligibility:
1/ End-Stage Renal Disease (ESRD) is when you have permanent kidney failure that requires a regular course of dialysis or a kidney transplant. If you have ESRD, you can get Medicare no matter how old you are.
2/ With specific disability, apply through the Social Security Administration office ssa.gov and Medicare.gov.
State Medicaid & Extra Help
Under 65 Medicare Eligibility:
Under 65 Medicare Eligibility:
Medicaid is a state and federally funded program that provides health coverage to low-income individuals and families. Eligibility is based on income, household size, and other factors, such as disability or pregnancy.
We can help you with the application process or guide you through your State's Medicaid portal to check eligibility and submit your application.
States control Medicaid systems with different laws. Contact your State Medicaid directly.
Some individuals may not qualify for Medicaid but may be eligible for Extra Help. Contact us for more information.