Page 21 - Senior Times South Central Michigan October 2022 - 29-10

First it is important to know that Medicare has four primary parts:
• Medicare Part A – Hospital coverage • Medicare Part B – Medical (Physician
Medicare Part C is an alternative
to “original Medicare.” Medicare Advantage Plans are offered by pri-
vate insurance companies approved
by Medicare. It is sometimes called “Part C” or an “MA Plan.” Medicare Advantage Plans must cover all of the services that Original Medicare covers, which includes both Parts A and B, with a few exceptions, and possibly Part D. Most MA Plans include extra benefits such as vision, dental, etc. Most include prescription drug coverage.
Coverage)
• Medicare Part C – Medicare advantage
Plans
• Medicare Part D – Prescription drug
coverage
Medicare
Soup
By: Glin Winsor, CFO, CareWell Services
• Physician services
• Ambulance services
• Outpatient care
• Medical supplies (DME) • Mental Health
• Preventative services
Medicare is considered one of the most important government sponsored benefits in the U.S. Medicare is different than Medicaid.
Senior Times - October 2022
Page 21
GOT MEDICARE QUESTIONS?
Schedule an appointment with a benefits counselor during OPEN ENROLLMENT OCTOBER 15 - DECEMBER 7 to go over your coverage.
Albion Battle Creek Marshall
517-629-3842 800-803-7174 269-781-0846
This ad was funded by grants from the U.S. Department of Health & Human Services - the Administration for Community Living, the Michigan Department of Health and Human Services and the Michigan Aging & Adult Services Agency. MMAP, Inc does not receive funding from, nor is it affiliated with any insurance companies. All MMAP services are provided free of charge.
Medicare is for:
• People age 65 and over.
• People with certain disabilities under
age 65.
• People with end-stage renal disease
– permanent kidney failure requiring dialysis or a kidney transplant.
Medicare Part D is for prescription drugs, not over the counter (OTC) drugs. Select a Part D plan available in your area that covers the medications you are taking and has a payment structure that best fits your needs. There are many plan comparison tools available on the internet. The government offers a free comparison tool at medicare.gov, check with your pharmacist or schedule an appointment with a MMAP counselor
in your area. Even if you don’t take many prescriptions today, the coverage will be there when you need it. If you don’t enroll when first eligible (usually when you turn 65) you will likely pay a late-enrollment penalty.
Medicare is for U.S. citizens and legal residents who have paid Medicare payroll taxes for at least 10 years or who have met other specific guidelines.
Enrollment is open three months before, during, and three months after your 65th birthday month. Note if you do not sign up during this time, you
may experience a penalty and/or higher premium costs. For more information contact Medicare at 800-MEDICARE or www.medicare.gov.
Medicare Part A, also known as hos- pital insurance, covers:
• Inpatient care
• Hospital care
• Skilled nursing facility care
• Nursing home care (non custodial)
• Hospice care
• Home health care
When comparing plans be sure to ask about Medicare Part D coverage costs including premiums, yearly deductible, copayments or coinsurance, costs in the coverage gap, availability of extra help, and costs if you pay a late enrollment penalty.
Medicare Part B covers things like:
The Villa at Winston Court is a place seniors can receive the care and support needed to live fulfilling lives in a home-like environment.
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• Medication Management • 24/7 Pharmacy Services • Personalized Care Plans • ADL & IADL Support • Meals Services
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