Tag: health insurance

Health Care Options in the U.S.

Health care institutions of the US are represented by various associations. Many health care clinics are privately owned, and only 21% of them belong to the government. As reported by the world health organization, the US is the leader of the world’s spend on health care in comparison to any other country in the world. The US healthcare system stands out among other progressive countries of the world. It is one of the rare countries, which doesn’t have a universal health care system. Additionally, the US has no universal health care insurance, and they recently enacted regulation, making health care coverage mandatory for almost every citizen.

A high price is one of the main reasons why most Americans find it troublesome to access a decent health service. Those who have a relatively low income have declared that they prefer not to:

  • visit a doctor when they feel sick
  • get a test when recommended
  • have a routine dental checkup
  • fill a prescription

A health maintenance organization now requires anyone to select a PCP – primary care provider – a physician who practices general medicine and will be a gatekeeper for the patient. As a rule, they are the first to be visited in case of an undiagnosed disease and in order to get further instructions. They collect primary symptoms, provide a physical examination and treat common illnesses. In case of a serious disease, they direct the patient to a certain specialist and provide the list of necessary procedures to follow (e.g.: blood tests, scannings, etc.). After all necessary data is collected, the PCP comes up with a diagnosis and recommendations on treatment, diet, and general patient’s habits for correction.

Before You Start Any Health Care Plan

Before you choose any program, take your time to read the policy description and pay attention to the details. Don’t hesitate to ask as many questions as possible, until you clearly understand your coverage.

Ask your agent the following questions:

  • Can I select any doctor, pharmacy or hospital for my personal preference?
  • Does the plan cover 100% of all my prescribed medication?
  • Does the insurance cover dentists’, dermatologists’ and eye doctors’ services?
  • According to my plan, are special conditions covered (e.g.: psychiatric care, physical therapy or pregnancy)?
  • Is home care covered by this insurance plan?
  • Do I have to make any co-payments?
  • Are there any disputes about bills and services? How are they regulated?
  • What is the maximum sum I have to pay to cover costs out of pocket?
  • What is the percentage of deductibles?

N.B.: Deductibles mean a certain amount of money a patient pays before the insurance company pays their claim. Do not confuse deductibles with co-payments. These are the payments you make when you get a prescription or receive medical services.

Which Health Insurance Plan to Choose

Below the most popular insurance programs. At first glance, their names may seem to be an alphabet soup, but after a few minutes of analysis, you will realize the main differences between them and the essential benefits of each plan.

HMO

Health Maintenance Organization plans offer a wide choice of services for patients. You are likely to be insured for a wide range of health services as compared to other coverage plans. As soon as you subscribe to their services, you will have to choose a Primary Care Physician (PCP), who will generally take care of your treatment and prescriptions. Other specialists are available only after receiving a referral from your PCP.

Generally, those who opt for this kind of insurance, have lower expenses and minimal co-payments. You are not obliged to submit your own claims to the insurance company. Please note you will not receive coverage if you use services of an out-of-network professional or if you get any service without your physician’s recommendation.

PPO

Preferred Provider Organization plan is a type of insurance with “preferred” providers within your location. They will not obligate you to choose a PCP and you will not need a referral for seeing a specialist. Here you will only have to pay a certain amount of a total bill according to your plan. In case you visit a specialist out of the recommended network, you will pay a larger part of your final bill than you would have to pay if you visited a preferred doctor in your network. But still, a certain percentage of your expenses will be covered. Co-payments for services generally vary between $10 and $30.

POS

Point of Service is a combination of two plans: HMO and PPO. Here, you will have to get a referral from a physician to receive any special treatment. But, you will get more coverage in case you visit hospitals and doctors within your network. You will, however, be less insured if you get any service form the providers out of your network. You may also have additional co-payments and deductibles on a yearly basis.

EPO

Exclusive Provider Network also has some similarities with PPO and HMO plans. As a rule, EPO is a more flexible plan than an HMO, and it is cheaper than a PPO. When you stick to this type of insurance, keep in mind that you don’t need PCP’s referrals. As with an HMO, you will have to pay out of your own pocket if you choose a doctor who provides services outside of your network. EPO is a great option if you want to see a specialist without a referral from your general physician.

Other Items to Consider

Other specific plans include Long-Term Care service (LTC). This is valuable for older people concerned about potential chronic illnesses.

Catastrophic Health plans are aimed to support people in case of unexpected health issues in case of an emergency.

People with disabilities can take advantage of special government programs to get help with their health needs. These programs differ depending on the location, so it is necessary to consult local officials for more information.

U.S. Health Insurance

Health insurance is a policy coverage that provides the policy holder with the financial protection in the event of an illness. It helps cover medical expenses. The U.S. federal government provides health insurance to those people who cannot afford health care coverage with other insurance companies. This health insurance coverage is categorized into Medicaid and Medicare. Medicaid provides health insurance to low income families and individuals and it covers basic health services and hospital visits. Medicare is covered through your payroll and provides health insurance to people who are over 65 years of age or those who are below 65 years but with disabilities.

How U.S. Health Insurance Works

Health insurance begins by paying an upfront premium by the consumer which is intended to help share the risk of healthcare costs with a wide range of other individuals. Other costs that come with most health insurance plans in the US are captured as copays, coinsurance and deductibles. These costs represent the share the insured pay out of their pockets when they receive health care. Deductibles are what the consumer pays before the insurance company contributes. A copayment is what the insured pays for each visit. Coinsurance is the percentage the consumer pays for procedures like surgeries or hospital stays.

HMO: Health Maintenance Organizations

The Health Maintenance Organization plan is an insurance plan that provides preventative care coverage for both the enrollee and his/her family. It covers doctor’s visits, hospital stays, emergency care, surgery, laboratory tests, x-rays, and therapy. This plan limits the choice of doctors and hospitals since the enrollee chooses one doctor to provide health care and, therefore, are required to get a referral from their doctor to see a specialist.

PPO: Preferred Provider Organization

These insurance plans mostly cover preventative care. They require the insured to choose a doctor to be their primary doctor who in turn monitors their health. For the Preferred Provider Organization, the insured often has to pay a small amount as co-payment for each time they visit the doctor.

The Obama Healthcare Plan

Obamacare, also known as the Affordable Care Act, aims at providing more people in the U.S. access to health care, holding insurance companies accountable for their decisions as well as protecting patients from being denied coverage. This plan is able to pay for itself since it requires that everyone get health insurance or else pay a tax. This plan allows those with chronic illness or pre-existing illnesses to get treatment after the expansion of Medicaid. This plan also has subsidized prescriptions for those who are in Medicare.

Factors to consider when selecting health insurance in the U.S.

Insurance companies in most cases have a contract with some health providers and hospitals to supply services to those who have an insurance plan with them at an affordable price. This is how insurance companies reduce their costs. Therefore, when evaluating an insurance coverage, a person should first consider which health provider and hospitals have a contract with the insurance company. An enrollee who goes outside of the network of health providers who have contracted with the insurance company is required to pay more for their medical care.

Secondly, a person should consider what the insurance plan covers since some insurance plans do not cover certain pre-existing conditions. Although the Affordable Care Act introduced more standardization to insurance plan benefits, not all were standardized.

Finally, consider how much an insurance plan costs since with some insurance plans, premium payments are only part of the incurred cost. In order to receive healthcare under some insurance plans, one incurs some other costs from their own pockets in form of copayments, deductibles, coinsurance and copays.

Importance of health insurance in the U.S.

With the introduction of Obamacare, there are now opportunities for all citizens to find affordable healthcare options. If you have a pre-existing condition or a chronic illness, through the Affordable Care Act (Obamacare), you are no longer at risk of an insurance company canceling your coverage. This is a significant benefit as often those dealing with a pre-existing condition are the most in need of healthcare insurance.

Healthcare has become more affordable for the policy holders since they are able to negotiate services on behalf of a large contingency of people. This, in turn reduces the cost to each individual. Preventative services including vaccines, checkups and screenings are available at low costs (or sometimes free) without any deductible cost. There are additional avenues as well to help with the costs of your health insurance.

Finally, having health insurance coverage exempts one from paying penalties in the form of taxes which are levied against those who do not have a health insurance plan under the Affordable Care Act.

Due to the ever increasing costs of health care, it’s important to understand the different options available to you. Illnesses are very unpredictable and it’s impossible to predict you might get sick or injured. It’s also hard to determine how much health care you might need and how much it might cost to get medical attention. However, health insurance takes care of these unpredictable issues and offers a way control these costs at a known and fixed amount each month. Although health insurance may seem expensive since premiums are not the only costs that come with the insurance coverage, it is better to incur these costs when one is healthy and pay less when in need of medical attention.

Medicare and Dental Care

How dental care is covered with Medicare

Even though our dental health is very important, Medicare programs do not cover all the dental care we might need. Keeping your smile healthy is a little tricky. We’ve outlined the options you have and how to best take advantage of what Medicare has to offer.

Original Medicare plans including Plan A and Plan B don’t offer extra benefits. On the other hand if you opt for a private Advantage plan it will include both of the above mentioned programs and possibly some level of dental care coverage you might need, if you decide to get the additional premium. These Advantage plans might have different specifications depending on the services they cover. Majority of them should cover basic oral exams, fillings, extractions, crowns and dental surgeries, which can be quite costly if they are not covered by any kind of an insurance. If you don’t have any dental coverage insurance all of the costs for your treatment and examinations will have to be paid from your own pocket.

Both Part A and Part B Medicare programs exclude the possibility of routine dental care coverage, and where people mostly get confused is that it might cover some procedures, but only under certain circumstances. In the Part A Medicare program where inpatient hospital coverage is included, a patient is eligible for dental care insurance when those procedures are necessary. For example, if for the sake of a certain medical procedure (both prior to or after the procedure) some dental procedure is required, it will be covered by Medicare.

Procedures such as dental examining, fillings, cleaning, inserting crowns or bridges, and dentures will not be covered by the Original Medicare plan.

Medicare will cover certain dental procedures and even dental hospitalization if it is cause by a major condition which can be health threatening. Although certain services will be covered by Medicare, the rest of the expenses including the dentist or potentially other specialists are fully paid by the patient.

Other than this, dental procedures covered by Medicare might also depend on the following treatments: life threatening transplants, surgeries, services needed for diseases such as oral cavity tumor or facial tumor, surgery or wiring for fractured jaws and fractured facial bones.

One more important thing to add is, that Medicare will not cover any following dental treatments and procedures following after the major surgeries and treatments. These ones will become the burden of your own.

Does Medicare include Dentures?

Unfortunately, Original Medicare program won’t cover for dentures, but there is a possibility that some of the private Advantage plans might help you pay for them. Most of the elderly are not very well informed on the subject of the dentures being or not being covered by Medicare. In fact, the fact that some of the advantage plans can help a patient pay for the dentures, makes the people confused. Medicare Advantage plans that cover Part A and B, although costly, can cover some of the routine dental services. However, the biggest issue is that some areas lack Medicare Advantage insurer to get accustomed with the specifications of the Medicare plans in the first place.

What is covered?

Since we have established that basic Medicare won’t coveryou dental care, we are left with the question what to do? For instance, if you receive any kind of dental service including regular examination,removal of dental plaque from teeth, cavity fillings, implantsoreven tooth pulling you will have to pay the full price of  those services. Although there are Medicare Advantage Plans thatmay cover your dental care, make sure that you are fully accustomed with the specification of your Medicare Parts A and B first so you could avoid paying great amounts of money.

However if your dental care in endangering your health in general or is needed as part of the service for another medical issue covered by Medicare, you will not be covered. One example where Medicare would cover for your dental care is if you require an oral check up if you are preparing for a kidney transplantation in a clinicor prior to aortic valve replacement. Furthermore if you had a jaw surgery and dental splits and wiring are needed, you will be covered by Medicare, as well as in any case of broken jaw operation. Another example where you can be insured by Medicarefor dental services is if you need radiation treatment for diseases such as oral cancer. In addition, costs of your dental care after the removal of a face tumor (when a ridge construction is necessary) will be covered.

It is necessary to point out, that even when the above mentioned medical procedures are considered, Medicare won’t beresponsible for any additional costs of dental servicesafter the initial ones have been performed. Let’s explain that in several examples.A person who has been inan accident and need a dental care due to that accident (jaw surgery), will have the costs covered by Medicare only forthat single procedure, excluding every procedure that might follow. Medicare will also cover any hospitalization fees due to a dental care procedure. For example if you need hospitalization and dental care is necessary due to a life-threatening condition, Medicare may cover your expenses. Even in this case you will be covered only for certain fees such ashospitalization,anesthetizationor scanning, but theadditional dentist expenses won’t be covered. Remember, Medicare will never cover dental costs that were excluded for Original Medicare such as dentures,even in the case where the patient is hospitalized.

If you are looking for an optimal solution for dental care and dental coverage you can turn to the following resources:

  • Medicare Advantage Plans
  • Medicaid
  • Reduced-cost or free dental clinics
  • Federally Qualified Health Centers
  • Community Health Centers
  • Donated dental service programs
  • Dental schools

If you are looking for the best solution and want to prepare yourself in advance you can turn to FAIR Health’s consumer cost search tool to better understand how much money you will be charged by professionals for different dental care services in different parts of the country.

Important Facts About Traditional Medicare and the Medicare Advantage Plan

We’ve always heard of the saying that “Health is wealth” but with everyone exposed to everyday pollutants and harmful elements, sickness is inevitable. As we age we are also more prone to illnesses.  Our level of financial preparedness is always at stake when our health is compromised, but, thank goodness for Medicare, the endless worry of handling medical expenses has become manageable.

There are Medicare options available to everyone and these are basically categorized as traditional Medicare and the Medicare Advantage Plan. Let’s take a look at these categories:

What is Traditional Medicare?

This health insurance program which started in the year 1966 under the Social Security Administration is administered by the US federal government and intended for US citizens ages 65 and older. Persons who are below 65 years old who have disabilities or who suffer from renal disease and sclerosis are also eligible to avail of the program.  Once you reach age 65 you are automatically enrolled in Medicare Part A and Part B.  The following are the coverages for Part A and B:

Part A – It covers hospital care, home health care, skilled nursing facility care and hospice care.  It is free and you do not have to pay premiums if you have been a regular contributor to Social Security for at least 10 years.

Part B – It covers medical insurance which include doctor visits, laboratory tests and x-rays, outpatient procedures, use of medical equipment and ambulance services.

What is Medicare Advantage Plan?

The Medicare Advantage Plan is also called Part C and this is administered by private insurers. It is administered and managed by private entities but regulated by the federal government and combines Parts A and B. Here are some of the recognized best private insurance companies in the states of Florida, Texas and New York that offer highly rated Medicare Advantage Plans:

  • Alignment Health Plan
  • Optimum Healthcare Inc.
  • United Healthcare
  • Independent Health
  • Kelseycare Advantage

Part D or Prescription Drug Plan

It is an optional plan that is administered and managed by private insurance companies which have links or contracts with the federal government.  It covers outpatient prescription for drugs, is availed separately and also known as the Prescription Drug Plan. If you availed of the Medicare Advantage Plan which also includes drug coverage then that plan is called the Medicare Advantage Prescription Drug Plan.  It is designed to supplement traditional Medicare or Part A and B and covers commonly used prescription drugs.

Medigap or Medicare Supplemental Insurance

These are private health insurance plans that pay for coverage gaps not included in traditional Medicare. They are only used along with traditional Medicare Part A and B which means that it is not applicable for use with a Medicare Advantage plan.

Here are some comparisons between traditional Medicare and the Medicare Advantage Plan to help you determine the best health insurance options for you and your family.

Traditional Medicare (Part A & B)

Enrolment / How to Enroll: You are automatically qualified for Part A if you have completed at least 40 calendar quarters (10 years) of payment to Social Security and should notify them of your enrolment. You may however opt to avail of the private Medicare Advantage plan.  You can enroll online via www.SocialSecurity.gov or by calling Social Security at 1-800-772-1213 during weekdays from 7 AM to 7 PM. You may also enroll in person by visiting the Social Security office.

Costs: Part A is free if you have completed payment of Social Security taxes for at least 10 years or 40 calendar quarters.  For Part B, you have to pay a monthly premium and you may need to also pay coinsurance, copays and deductibles. There is a cap or out-of-pocket maximum on the amount that you can spend for your health care.

Service Accessibility: You are entitled to choose your own doctor or hospital since with traditional Medicare there is no prior authorization and referrals needed.

Medicare Advantage Plan (Part C):

Enrollment/ How to Enroll: You must issue an authorization indicating that you want to opt in under the Medicare Advantage Plan and should be enrolled in Part A and B for you to be eligible for this plan.  It also means that you regain the right and protection of the traditional Medicare coverage but that you choose for the provision of said benefits through a private plan.

Costs: You must pay a monthly premium which is the same amount as the premium paid for Part B.  However, the costs may generally vary depending on the type of plan that you choose. Just some of the additional out of pocket costs may include yearly deductible, extra monthly premiums and use of network providers, among others.  Cost-sharing charges may apply but Medicare advantage plans cannot charge cost-sharing fees for renal dialysis services,

Service Accessibility: You have to obtain authorization for specific services and there is a specific network of health providers that you can choose from.  There is also a specific list of service areas from which you can avail the medical advantage plan.

 

These are the 2 major Medicare coverage options ideally available for you to enjoy optimum health insurance advantages:

Option 1: Traditional Medicare (Parts A and B) + Part D or Prescription Drug Plan + Medigap or Medicare Supplemental Insurance

Option 2: Traditional Medicare + Medicare Advantage Plan + Part D or Prescription Drug Plan

It’s been said time and again that a healthy life is a happy life so we should take good care of ourselves now and not wait for another day, week or month since we never know when sickness will strike us and our loved ones. Preparedness is key and one vital step you can do is ensuring that you have the right health insurance coverage plan.   Being prepared is tantamount to being responsible and by having a Medicare or Medicare Advantage Plan you and your family are assured that you are in good hands.

What is Medicare?

Medicare is thе fеdеrаl health insurance рrоgrаm fоr the еldеrlу аnd diѕаblеd in the United Stаtеѕ, this program соvеrѕ everything frоm medical cares for thе еldеrlу аnd thе bеnеfitѕ of thiѕ рrоgrаm аlѕо еxtеnd tо сеrtаin уоungеr реорlе who are having disabilities аnd оthеr сhrоniс diѕеаѕеѕ likе thе реrmаnеnt kidnеу fаilurе that rеԛuirеѕ careful diаlуѕiѕ or a transplant. Medicare iѕ аlѕо ассеѕѕiblе tо соuрlеѕ who have worked fоr a decade оr mоrе years over a lifеtimе. Mеdiсаrе wаѕ firѕt initiated аѕ a lаw whеn the ѕосiаl ѕесuritу lеgiѕlаtiоn wаѕ аmеndеd tо inсludе thiѕ ѕосiаl insurance рrоgrаm. Thiѕ ѕосiаl insurance рrоgrаm is ԛuitе diffеrеnt frоm mоѕt ѕinglе-рауеr plans in mоѕt firѕt wоrld countries Medicare соvеrѕ 80% оf the соѕt оf mоѕt hеаlthсаrе with аn аim tо еnѕurе that Amеriсаn elderly оnеѕ and people with disabling соnditiоnѕ hаvе ассеѕѕ tо a better hеаlth саrе ѕуѕtеm.

WHAT DOES MEDICARE COVER

Thеrе аrе diffеrеnt mеdiсаl issues a Mеdiсаrе plan соvеrѕ and аѕ such it iѕ imperative fоr уоu to understand whаt Medicare covers bеfоrе tаking part in thiѕ inѕurаnсе program. Thеrе аrе bаѕiсаllу twо tуреѕ оf Medicare. There is the Pаrt A аnd Pаrt B. Thе Pаrt A ѕесtiоn оf a Mеdiсаrе plan соvеrѕ еvеrуthing frоm hоѕрitаl ѕtауѕ tо skilled nursing facility care, hоmе hеаlth care, hospital саrе, and blооd. Hоwеvеr, you need to rеmеmbеr that thе соѕt iѕ оnlу rеduсеd. Yоu will ѕtill need to share ѕоmе оf thе еxреnѕеѕ inсurrеd whilе you оr уоur spouse аrе mеdiсаllу trеаtеd.

Whilе thе Pаrt A iѕ соmрulѕоrу fоr a Medicare рlаn the Mеdiсаrе раrt B is орtiоnаl and dереndѕ оn уоur health nееdѕ, fоr this уоu will need to рау a mоnthlу рrеmium for it.

Whаt are аvаilаblе in thе Medicare раrt B are other services thаt are nоt inсludеd in thе Medicare plan A. If you аrе looking for аdditiоnаl hеаlthсаrе services соvеrеd bу уоur Medicare like the dосtоr services, ambulatory ѕеrviсеѕ, durаblе mеdiсаl еԛuiрmеnt, оutраtiеnt mеntаl hеаlth саrе, speech therapy, оutраtiеnt mеdiсаl services, diаgnоѕtiс tests and ѕurgiсаl services and supplies, second and third ѕurgiсаl procedures and оutраtiеnt оссuраtiоnаl аnd physical thеrару, thеn you may wаnt to gеt соvеrеd with thе Medicare part B.

All these mеdiсаl ѕеrviсеѕ аrе ѕоmе оf thе few аvаilаblе services that аrе inсludеd in thе Mеdiсаrе рlаn B. It is compulsory thаt рауmеnt iѕ mаdе fоr thе ѕеrviсеѕ available in the Mеdiсаrе рlаn B subscription аnd in ѕоmе cases Medicare will bе аblе tо соvеr the whоlе еxреnѕеѕ whеrе nо еxреnѕеѕ inсur fоr thе рlаn.

If уоu аlѕо wish tо еnrоll for Mеdiсаrе part C, you muѕt bе eligible for bоth Part A and B. Hоwеvеr, раrt C plans are a соmbinаtiоn of раrt A аnd Pаrt B. These аrе аlѕо knоwn аѕ thе Mеdiсаrе Advantage plans, sold bу Medicare-approved рrivаtе insurance companies. There аrе a number of Advаntаgе Plans to choose frоm, so mаnу thаt it mау соnfuѕе thе buyer. Thеѕе рlаnѕ оffеr аdditiоnаl bеnеfitѕ аt lesser costs аѕ соmраrеd tо Medicare. Alѕо knоwn аѕ managed саrе, thеу include Mеdiсаrе Hеаlth Mаnаgеmеnt Orgаnizаtiоnѕ (HMO), Medicare Private Fее For Sеrviсе (PFFS), Medicare Medical Sаvingѕ Aссоunt (MSA) and Mеdiсаrе Special Needs, аnd Mеdiсаrе Preferred Prоvidеr Orgаnizаtiоnѕ (PPO).

Pаrt D рlаnѕ i.e. prescription drug plans allow thе bеnеfiсiаrу to сlаim a section of thе соѕt оf рrеѕсriрtiоn drugѕ’ соѕt, to bе раid by Mеdiсаrе. Anуоnе who iѕ еligiblе fоr Pаrtѕ A, B аnd C bесоmеѕ eligible fоr Pаrt D, nоt соnѕidеring his/her hеаlth history аnd аmоunt of inсоmе еаrnеd.

WHAT MEDICARE DOESN’T COVER

Whilе thеrе are milliоnѕ оf Amеriсаnѕ and ԛuаlifiеd diѕаblе реорlе whо rерlу uроn thе Mеdiсаrе fоr thеir hеаlth соvеrаgе mоѕt оf them fаil tо realize thаt Mеdiсаrе doesn’t соvеr аll aspects of Mеdiсаl ѕеrviсеѕ and еvеn if ѕоmе services mау bе соvеrеd thеу are nоt соvеrеd аt a hundred percent аnd еvеn with Mеdiсаrе уоu will bе required to pay fоr ѕоmе аѕресtѕ of the costs fоr уоur hеаlth services.

Hеrе аrе соmmоn hеаlth nееdѕ thаt аrе nоt covered bу bаѕiс Medicare benefits:

Trаvеl Mеdiсаl Exреnѕеѕ: The bаѕiс рrоgrаm rаrеlу рауѕ fоr аnу hеаlth services оutѕidе of the US. If you рlаn tо trаvеl tо аnоthеr country, you саnnоt соunt uроn your Mеdiсаrе benefits tо hеlр you. Sоmе supplements may extend this соvеrаgе, оr you mау сhооѕе tо рurсhаѕе аn аdditiоnаl trаvеl hеаlth insurance роliсу. It is a gооd idea to rеѕеаrсh thеѕе рlаnѕ if уоu wаnt tо travel outside оf thе USA. This may seem ѕurрriѕing, there аrе several rеаѕоnѕ fоr thiѕ limitаtiоn. Some оf thеѕе rеаѕоnѕ mау bе роlitiсаl, аnd ѕоmе mау bе finаnсiаl.

Dеntаl, Viѕiоn, аnd Hеаring: Sеniоrѕ and diѕаblеd реорlе need dеntаl, viѕiоn, аnd hearing services, but Mеdiсаrе provides vеrу limitеd coverage оf these ѕеrviсеѕ. Yоu саnnоt соunt оn your benefits tо help you pay thе dеntiѕt, еуе dосtоr, оr hearing aid соmраnу. These аrе ѕеriоuѕ health nееdѕ, but beneficiaries must find alternate wауѕ tо fund thеѕе ѕеrviсеѕ mоѕt of thе timе.

Yоu mау choose tо рау fоr thеѕе ѕеrviсеѕ оut оf your оwn росkеt. Yоu mау аlѕо dесidе tо buу аdditiоnаl coverage from a рrivаtе company. There аrе also resources to help people with lоw inсоmеѕ gеt the ѕеrviсеѕ that they nееd.

WHAT MEDICARE COSTS

Thеrе аrе certain rules whеn it соmеѕ tо hоw Mеdiсаrе works, if you’ve wоrkеd at lеаѕt 10 уеаrѕ, уоu will bе аblе to tаkе аdvаntаgе оf a “рrеmium-frее” Part A рrоgrаm. If you hаvеn’t wоrkеd for аt lеаѕt 10 уеаrѕ, you саn орt tо рurсhаѕе Mеdiсаrе Pаrt A рlаn аnd pay a mоnthlу premium. Medicare Pаrt B works a little diffеrеntlу. Thiѕ medical insurance component hаѕ a mоnthlу рrеmium thаt costs аbоut thе same fоr mоѕt реорlе, and a small dеduсtiblе. You саn choose frоm dосtоrѕ whо “ассерt аѕѕignmеnt” and will bill no mоrе than what Medicare рауѕ. You can also ѕеlесt оthеr dосtоrѕ but уоu will nееd tо рау the diffеrеnсе.

Medicare Advantage, оr Pаrt C, iѕ hаndlеd thrоugh private insurance companies whо have vаrуing premiums аnd dеduсtiblеѕ. Yоu саn choose tо get Pаrt D соvеrаgе as раrt of уоur Mеdiсаrе Advantage рlаn оr орt only for medical аnd hоѕрitаl coverage.

Finally, Pаrt D iѕ only аvаilаblе through private inѕurеrѕ. If уоu рlаn оn gеtting Part A аnd B соvеrаgе thrоugh the gоvеrnmеnt, уоu’ll ѕtill nееd to соmраrе insurance соmраniеѕ fоr Pаrt D соvеrаgе.

Mеdiсаrе соѕtѕ саn bе diffеrеnt fоr еvеrу individuаl. It саn take some timе and rеѕеаrсh to find thе right mix for уоu – ѕо be ѕurе tо rеѕеаrсh thоrоughlу аnd соmраrе уоur орtiоnѕ.