Original Medicare coverage is a government-managed federal health insurance program that aims to help seniors and certain qualifying disabled individuals more easily afford their expenses related to healthcare. While Original Medicare has helped millions of older Americans over the decades, Medicare Parts A and B alone are not always enough to prepare you for all your possible health insurance needs.
That’s where Medicare Advantage, also known as Medicare part C, comes into play. If you are seeking additional health insurance coverage beyond what is provided by Original Medicare, a Medicare Advantage plan may offer additional benefits, including vision, hearing, and dental care.
Although it is true that Medicare Advantage plans do provide additional coverage beyond what is offered by Original Medicare, it is important to note that Medicare Advantage plans are offered by private insurance companies. As such, their exact benefits, prices, and availability may vary.
Nevertheless, most Medicare Advantage beneficiaries can usually count on coverage for the following:
In some cases, transportation needs, such as travel to and from doctor’s appointments, may also be included. To take a more in-depth look at the Medicare Advantage options that may be available in Des Moines today, reach out to us as soon as possible.Call (800) 950-0608
Medicare health insurance coverage is an industry that is managed and regulated by the U.S. federal government. As such, there are strict rules that need to be followed and enrollment periods to keep in mind.
Typically, one first becomes eligible for Medicare in the three months prior to their 65th birthday, the entire month of their 65th birthday, and the three months following their 65th birthday. This period is known as the Initial Enrollment Period (IEP). You can also become eligible for IEP upon the diagnosis of certain qualifying diseases or disabilities.
Outside of IEP, the best time to enroll in new coverage is typically during the Medicare Open Enrollment Period (OEP), which takes place at the start of each year, from January 1st to March 31st. The Annual Enrollment Period (AEP), which begins on October 15th and runs until December 7th, is typically the best time to make changes to your existing Medicare coverage.
There are also periods known as Special Enrollment Periods (SEPs), that may qualify you to enroll in or make changes to your Medicare coverage outside of the aforementioned timeframes. Typically, SEPs are a result of specific circumstances, such as if you have recently relocated to a new residential area or if a 5-star Medicare Advantage plan becomes available to you.
To find out if a 5-star Medicare Advantage plan in the Des Moines, IA area is currently available, reach out to MedicareInsurance.com today!
The world of Medicare can be confusing and difficult to navigate, but a friendly, experienced, and licensed insurance agent from MedicareInsurance.com may be able to help you steer the ship.
Whether you’re in need of Original Medicare, Medicare Advantage, or Medigap supplemental coverage, our staff is always willing to help you research and compare your options. In some cases, Medicare Advantage plans with premiums as low as $0 may even be available in the Des Moines area. Reach out to us to start exploring!Call (800) 950-0608