Medicare isn’t always the easiest topic to decipher. In fact, the easiest thing you’ll learn about Medicare when you’re just starting to research the program is who it covers. One of the toughest things to learn is what Medicare covers and what it doesn’t.
Original Medicare Parts A and B will cover hospitalization and certain medical expenses. If your needs go beyond that, it’s possible you’ll find that Original Medicare doesn’t meet them all. This is where a Part C, or Medicare Advantage, plan, can be a big help to you.
Medicare Advantage provides coverage for many of the things that Original Medicare does not. For instance, Original Medicare doesn’t provide coverage for things like hearing aids, transportation, or dentures. A Medicare Advantage plan may cover some or all of those items. Medigap and Medicare Part D Prescription Drug plans can act as supplements to Original Medicare, covering copays and deductibles.
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Original Medicare may meet some of your healthcare needs, but not necessarily all of them. If this sounds like your situation, you may be interested in available Medicare Advantage plans in the Islip, NY area.
Medicare Advantage plans are not offered by the federal government, but are provided by private insurance companies. These plans can offer additional coverage, but the benefits offered by individual Medicare Advantage plans vary. Deductibles, copays, and premiums will also vary, depending on your plan.
Medicare Advantage plans typically cover:
Do you need help finding Medicare Advantage in Islip, NY that works for your situation? Our licensed agents can help you find the plan that’s best for you.
There are strict limitations on when you can enroll in a Medicare plan or make changes to your existing plan. Those limitations depend on whether or not you’re enrolling for the first time.
The Medicare Initial Enrollment Period (IEP) starts three months before you become eligible, lasts through the month of your 65th birthday, and ends three months after you turn 65. In total, your IEP lasts for seven months. Your IEP usually begins when you’re about to turn 65, but you may qualify earlier if you’ve been diagnosed with certain disabilities or diseases. During your IEP, you may immediately enroll in a Medicare Advantage plan.
If you’re already enrolled in Original Medicare, you can enroll in a Medicare Advantage plan during the Annual Enrollment Period (AEP). The AEP takes place annually between October 15th and December 7th.
If you need to make changes to your Medicare Advantage coverage, this can be done during the Open Enrollment Period (OEP). The OEP takes place annually from January 1st to March 31st.
Under qualifying circumstances, you may be eligible for a Special Enrollment Period (SEP). These periods become available if you have recently moved or if a 5-Star Medicare Advantage plan has become available in the Islip, NY area.
Get in touch with us today to see if a 5-Star Medicare Advantage plan is available in your area!
Don’t let Medicare keep you confused. If you’re having a little trouble understanding Medicare and Medicare Advantage coverage options, we’re here to help. Our experienced, licensed agents are happy to help you review your health insurance options so that you can find a plan that’s right for you.
If you live in or near Islip, NY and have questions about Medicare Advantage, Medicare Part D Prescription Drug coverage, or Medicare Supplement plans, give us a call. We’re here to help you research and compare your options!