If you have Medicare, you should receive an updated copy of the Medicare & You Handbook in the mail each year. But let’s be real, most people don’t take the time to read it. It’s not exactly a page-turner.

This leaves Medicare beneficiaries without knowing all their options when it comes to how they can receive their Medicare. Yes you have options to review each year.

Contact us now by calling 207-807-2272 to learn about your options.

In the mean time, Mike Allen (Founder of Blue Goose) has put together a short, fun (yes I said fun) video on Medicare basics.

Again, please take the time to learn all your Medicare options.

Thank you and enjoy the video!

Original Medicare

Original Medicare comes in a few different parts and when you put them all together a portion of your medical expenses are taken care of. The key word here is PORTION… not all. Most people still have to come up with a way to pay for a chunk of their healthcare expenses because Medicare will only cover about 80%.

Your basic Medicare coverage comes in Part A and Part B. Part A is to cover things that happen in a hospital like your room, inpatient surgery, and meals. Part B is your medical insurance and covers visits to your doctor and specialist.

For more information on Part C, see Medicare Advantage below.

Then you have Part D, and Part D covers your prescription drugs. Your Prescription Drug Plan (PDP) will have a list of the drugs that are covered, and each one is assigned a specific level, or tier. The higher tier drugs generally will be more costly than lower tier drugs.

Original Medicare comes with premiums, deductibles, and coinsurance for specific services. Give us a call if you’d like a personal Medicare 101, and to find ways to protect yourself against additional costs Original Medicare doesn’t cover.

Medicare Supplements

Original Medicare will cover a portion of your total medical expenses and YOU are responsible for the remainder. Since there is no limit on how much money that “remainder” can add up to, some people buy what’s called a Medicare Supplement, also called a Medigap policy. These policies are sold by private insurance companies, and for a fixed premium they will help fill the gaps that Original Medicare doesn’t cover.

There are several plan options available for you to choose from when you are looking to buy a Medicare supplement—each one with it’s own combination of services that it will cover. The important thing to keep in mind is that individual plan types are identical from company to company, but the premium you pay is not. For example, a Plan G with ACME Insurance Company has exactly the same coverage as a Plan G with ANVIL Insurance Company, but ACME could charge a higher monthly premium than ANVIL.

We make sure you know the little differences that easily get overlooked.

Medicare Advantage

A Medicare Advantage Plan is a second way to get your Medicare, and it would take the place of a Medicare Supplement. It is also known as Part C of Medicare. It can get a little confusing, but the way it works is private insurance companies contract with the Federal government (Medicare) to manage your healthcare. When you enroll into a Medicare Advantage Plan, it’s the insurance company that manages the claims, pays the doctors, and makes sure you receive the care you need. People enrolled in a Medicare Advantage plan usually benefit from low monthly premiums and expected out of pocket costs in the form of co-pays.

Medicare Advantage Plans will have a network of doctors, hospitals and pharmacies that all communicate with each other. This concept, known as Coordination of Care, is specific to Medicare Advantage, and makes sure that all of your providers are on the same page and you are receiving the most appropriate treatment.

There are various types of Medicare Advantage Plans and some differ more than others. Get in touch with one of our Medicare experts to help you understand the differences and find a plan that’s best for you.

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