Medicare
Medicare is really complicated. Sometimes you’re enrolled automatically; sometimes you’re not. If you’re not and you miss the enrollment period, you pay a penalty. Some medical services are covered; some are not. If you go to visit your chiropractor, Medicare might pay, but only if it is “manual manipulation of the spine if medically necessary to correct a subluxation.” It’s truly a labyrinth. At ePlatinumHealth, we make sure you don’t get lost in it.
Our independent agents understand it! It’s our business to comprehend this system with its caveats, exemptions, and exceptions. We will meet with you, listen to your needs, explain your options, and find the best way for you to get the coverage you need. With our help, you won’t be surprised by lack of coverage or exorbitant out-of-pocket expenses.
Step 1: Enroll in Original Medicare.
Medicare Part A: Hospital
Medicare Part A covers:
- Hospital, inpatient and long-term care
- Skilled nursing facility and nursing home care
- Home health services
- Hospice
Medicare is required by federal and state laws to provide coverage for all of the above services, however, they are not required to cover the entire cost. Below, learn more about additional insurance options that can help pay for what Medicare does not.
Medicare Part B: Medical
Medicare Part B covers:
- “Medically necessary services”
-
- Medical equipment
- Ambulance services
- Preventative care
-
- Doctor visits
- Mental health services
- Clinical research studies
As with Medicare Part A, Medicare is required to provide coverage for the above services but is not required to cover the entire cost. Learn more about your additional insurance options below.
Step 2: Decide if you need additional coverage.
After you have enrolled in Original Medicare (Parts A and B), if you decide you would like additional coverage you have two ways to get it. It is important to understand that with both options below you still have Original Medicare and must continue to pay your Part B premium.
OPTION 1
Add one or both of the following to Original Medicare:
Medicare Supplement Plan
Offered by private companies
AND/OR
Medicare Part D Plan
Offered by private companies
OPTION 2
Choose a Medicare Advantage plan:
Medicare Advantage Plan
Offered by private companies
AND MAY ALSO HAVE…
Part D
Many include coverage of prescription drugs at a copayment, may have a deductible
Additional Services
Many plans offer services not available on Original Medicare such as dental, vision, hearing, Over-the-Counter allowances, and gym memberships.
Still confused?
Don’t worry – join us for a New to Medicare meeting!
In an information-only presentation, one of our licensed agents will explain how Medicare works, and the additional insurance options available. You can have your questions answered in a no-pressure, small group environment.
Neither ePlatinumHealth nor its agents are connected with the Federal Medicare Program.