DID YOU KNOW AT 65 EVERYTHING ABOUT YOUR HEALTHCARE CHANGES?
The good news is you have options! Let Health Estimates teach you the options that affects your health “Literally”.
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In most cases, an enrollee in Medicare Advantage plan will have prescription drug coverage (Medicare Part D) included directly through the plan. However, some Medicare plans do not include coverage for prescription drugs. In these cases, an individual would need to purchase a separate Medicare Part D prescription plan if they want such coverage. It is important to note, however, that an individual cannot be enrolled in both Medicare Advantage and a Medicare Part D prescription drug plan. Therefore, if an individual wishes to enroll in Medicare Part D, then he or she will need to obtain their Medicare coverage through Original Medicare (Medicare Parts A and B).
WHAT IS THE DIFFERENCE BETWEEN MEDICARE ADVANTAGE AND MEDICARE SUPPLEMENT INSURANCE?
Medicare Supplement Insurance offers benefits that are designed to fill in the “gaps” in Medicare Part A and B coverage such as out-of-pocket copayments and deductibles. These plans are not only supplemental to what Original Medicare covers. Therefore, these plans do not provide coverage for services that are not already covered by Medicare Part A or B such as non-essential cosmetic surgery. A Medicare Supplement policy may be purchased through a private insurer that offers such coverage. There are a number of different Medicare Supplement plan options to choose from, and all correspond to a letter of the alphabet – with Plan A offering the most basic set of benefits. Because Medicare Supplement Insurance works in conjunction with the coverage gaps that are left by Medicare Parts A and B, it is not necessary for an individual who has Medicare Advantage to also have coverage through a Medicare Supplement insurance policy.