When you’re researching Medicare, one of the toughest things to figure out about the program is what it will or will not cover. Medicare Part A and Medicare Part B, known together as Original Medicare, will cover a variety of medical treatments, services, and supplies. However, there are also many things that Original Medicare will not cover.
This begs the question: what if you’re in need of a treatment or service that isn’t covered by Original Medicare? How can you get coverage for prescription medications and supplies that aren’t covered by the program? This is where Medicare Part C, better known as Medicare Advantage, enters the chat.
Medicare Advantage plans provide coverage for many things that Original Medicare may not. Original Medicare, for example, doesn’t provide coverage for hearing or vision care. Many Medicare Advantage plans in the Oyster Bay, NY area may provide coverage for both of those services and more.
Medicare plans near Oyster Bay can also be supplemented by Medigap plans and Medicare Part D Prescription Drug coverage in order to help you get adequate coverage to meet your needs.
Original Medicare may meet most, but not necessarily all, of your healthcare needs. Medicare plans near Oyster Bay can help you get the coverage you need for medical expenses.
Medicare Advantage plans are offered by private insurance companies authorized by the federal government to sell them. Many Medicare Advantage plans offer coverage for extras that Original Medicare does not, but benefits offered by Medicare Advantage plans can vary depending on a variety of factors, such as provider preference and state regulations. Deductibles, copays, and premiums can also vary, depending on those same factors.
Medicare Advantage plans will typically cover:
Do you need assistance finding Medicare plans near Oyster Bay? Our experienced, licensed agents can help you find a plan that works for you.
The regulations on enrolling in a Medicare plan or making changes to an existing plan are very strict. Are you enrolling in a Medicare plan for the first time? Looking to change your plan? Enrollment regulations differ depending on your circumstances.
When you first become eligible for Medicare, this triggers what is known as an Initial Enrollment Period (IEP). Your IEP starts three months before you turn 65 and ends three months after, lasting a total of seven months. If you’ve been diagnosed with certain disabilities or illnesses, you may become eligible to enroll in Medicare before you turn 65. You’re able to enroll in a Medicare Advantage plan right away during your IEP.
For those who did not enroll in a Medicare plan during their IEP, Medicare holds what is known as an Annual Enrollment Period, or AEP. AEP takes place each year between October 15 and December 7. If you are currently enrolled in Original Medicare, you can enroll in a Medicare Advantage plan during AEP.
Do you need to make changes to your existing Medicare coverage? This can be done during what is known as Medicare’s Open Enrollment Period (OEP). OEP takes place each year from January 1 through March 31.
Have you relocated in recent months? Did certain life events keep you from enrolling in Medicare or changing your plan during the enrollment periods listed above? If so, you may be eligible to enroll or change your coverage during a Special Enrollment Period (SEP). SEPs become available if you’ve faced qualifying life events, or if a 5-Star Medicare Advantage plan becomes available in the Oyster Bay, NY area.
Want to learn more about 5-Star Medicare Advantage plans? Give us a call today!
Speak with one of our licensed agents at (800) 950-0608 or use our free plan finder to compare plans in the Oyster Bay, NY area today.Learn More
Medicare doesn’t have to be confusing. If you’re finding Medicare and Medicare Advantage options to be kind of tough to understand, we’re here to help. Our licensed agents will be happy to help you review Medicare plans near Oyster Bay so that you can find a plan that works for you.
If you live in or near the Oyster Bay, NY area and have questions about Medicare Advantage, Medicare Part D, or Medicare supplemental plans, give us a call today. We’re always happy to help you research and compare your options for Medicare Advantage in Oyster Bay, NY!Email Us