Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

Part B helps cover:

• Services from doctors and other health care providers
• Outpatient care
• Home health care
• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to 

Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

*Source: www.medicare.gov

How to sign up for Medicare Coverage and when not to.

When you first sign up for Medicare you have to contact Social Security Office.  You can elect Medicare coverage without requesting your Social Security earnings.

times of the year, you can choose which way to get your Medicare coverage. 

• Sign Up for Medicare Part A and Part B
• Check with your employer to make sure they do not offer any retirment group benefits.

Qualified events can triger enrollment dates but will require a special code.  Qualifiing Event may include:

Move

Marriage/Divorce

Catastrophic Weather Event

Medicaid Level change

• Medicare Advantage (C) **make sure no Rx is provided
• Plans may offer some extra benefits that Original Medicare doesn’t.

• Original Medicare includes Part A and Part B.
• Pays for 80% of your Medicare Coverage however there is NO CAP.
• You can also buy supplemental coverage that helps pay your out-of-pocket costs (like your 20% coinsurance).

When you first sign up for Medicare and during certain times of the year, you can choose which way to get your Medicare coverage. There are 2 main ways:

 Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan N. The benefits in each lettered plan are the same, no matter which insurance company sells it.

• Monthly Plan Cost $150 +/-
• Automatic Renewal (expect annual price increases).
• See any doctor, specialist, or hospital that accepts Medicare.
• Annual Deductible $257 (year 2025).
• Traveler: US Coverage
• Option to purchase seperately: Rx Coverage, Dental, and Vision.

• Monthly Plan Cost generally $0-100
• Annual Contracts (needs reviewing of doctors, hospitals, Rx, and benefits)
• These “bundled” plans include Part A, Part B, and usually Part D in most cases.
• Restrictions: You can only use doctors and hospitals who are in-network.
• Plans often have different out-of-pocket costs -You need to be aware of your deductibles and Max Out Of Pocket expenses.
• Plans may offer some extra benefits such as dental, vision, hearing, gym membmership, and grocery card. (plans vary year to year and by company)

*Source: www.medicare.gov