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Are you new to Medicare? Choosing Medicare coverage can be a challenge. There may be several Medicare coverage choices in your vicinity. But how do you know which Medicare coverage choice might work for you?
Medicare coverage choices: what are they?
When you become eligible for Medicare, in most cases you’ll be automatically enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance).
Together, Part A and Part B are also known as Original Medicare. They come with certain costs, such as deductibles, copayments, and coinsurance. Most people pay a monthly premium for Part B, but if you’ve worked at least 10 years while paying Medicare taxes, you generally won’t pay a Part A premium.
You can stay with Original Medicare, and optionally enroll in:
- A stand-alone Medicare Part D Prescription Drug Plan
- A Medicare Supplement plan to help cover out-of-pocket costs
Alternatively, you can get your Original Medicare (Part A and Part B) benefits through a Medicare Advantage plan (except hospice benefits, which Part A still provides). You need to continue paying your Medicare Part B monthly premium, as well as any premium the plan may charge you.
Medicare coverage choices and your particular needs
You’re the only one who can decide what type of Medicare coverage to get. But if you’d like a quick list of points to consider when you’re looking at Medicare plan options, here’s an easy-to-read flow chart.
What with several different Medicare plan options that may be available where you live, you might have questions. I can walk you through the Medicare plan options and answer your questions.
- To have me email you customized information about Medicare plan options, simply click the Get Quotes button to schedule a phone call or to request a personalized email.
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