The Importance of Medicare Advantage
Health is one of our most valuable assets, making it crucial to select a health plan that offers comprehensive coverage and dependable protection for you and your family. One option to consider is a Medicare Advantage plan, which may offer extra benefits beyond standard coverage.
What is Original Medicare?
Original Medicare is a fee-for-service health insurance program comprising Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). It provides coverage for various services, including:
Inpatient hospital care
Doctors’ services and tests
Preventive services
Outpatient medical services
Drugs, medical supplies, and equipment
Lab tests, x-rays, and exams
Operating and recovery room services
Diagnostic tests
Blood transfusions
Durable medical equipment
Medicare Part A & B
Original Medicare consists of Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). It provides coverage for services like inpatient hospital care, doctor visits, medical tests, and preventive care. Costs for services and items are paid as they are received.
Original Medicare Eligibility
Eligibility is based on specific criteria. Individuals who have legally resided in the United States for at least five years and are 65 or older are eligible for coverage. Those receiving Social Security benefits are automatically enrolled in both Parts A and B. Part D coverage is optional and requires the individual to enroll separately.
Individuals under 65 may qualify for Original Medicare if they receive Social Security Disability Insurance (SSDI). Typically, eligibility begins 24 months after receiving the first SSDI payment. However, this waiting period is waived for those with ALS or permanent kidney failure. Enrollment can be completed via the Social Security Administration (SSA) website.
The Initial Enrollment Period for Original Medicare begins three months before your 65th birthday, includes your birth month, and extends three months afterward. The Annual Enrollment Period for Medicare Advantage and Prescription Drug Plans runs from October 15 to December 7 each year.
Is Medicare Advantage Worth Enrolling in?
Given the importance of this decision, we recommend consulting with a licensed insurance agent for expert guidance tailored to your needs.
It is also advisable to evaluate multiple insurance companies before selecting a plan, ensuring you choose the one that best suits your requirements.
Original Medicare vs Medicaid
Original Medicare and Medicaid are both government-sponsored health insurance programs, but they have distinct eligibility requirements. Original Medicare primarily serves individuals aged 65 and older, as well as younger individuals with specific health conditions. In contrast, Medicaid is a joint federal and state program that offers healthcare coverage to individuals with low incomes. States also require Medicaid recipients to maintain a limited amount of liquid assets.
Individuals under 65 may qualify for Original Medicare if they receive Social Security Disability Insurance (SSDI). Typically, eligibility begins 24 months after receiving the first SSDI payment. However, this waiting period is waived for those with ALS or permanent kidney failure. Enrollment can be completed via the Social Security Administration (SSA) website.
The Initial Enrollment Period for Original Medicare begins three months before your 65th birthday, includes your birth month, and extends three months afterward. The Annual Enrollment Period for Medicare Advantage and Prescription Drug Plans runs from October 15 to December 7 each year.
Choosing the Right Medicare Advantage Plans Carrier
If you believe Medicare Advantage plans are the right choice for you, the next step is selecting a Medicare Advantage carrier. Take the time to shop around and compare carriers to find the plan that best meets your needs. Carefully analyze and evaluate the benefits offered by each plan, ensuring you fully understand the policy terms and conditions before making a decision.
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