Guidance from Medicare Advisors: The Different Parts of Medicare
Medicare comes in different parts that cover different things. You could have certain parts, or more than one, or all of them in your health care plan.
A “Medicare Advantage” plan is a package including different parts of Medicare. Choosing the right Medicare Advantage plan means making sure you’re covered for what you individually need.
These are the parts of Medicare:
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- Medicare Part A: This part covers hospitalization, home health, nursing and hospice care. You usually don’t pay a monthly premium for Part A.
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- Medicare Part B: This part covers routine health care, like regular doctor check-ups, common medical tests, and treatment for ailments and injuries that don’t require hospitalization. Medicare Part B does charge a monthly premium.
- Medicare Part D: This is the prescription drug coverage part of Medicare. How much you pay depends on the medication. Part D plans are run jointly by Medicare and private insurance companies.
If you’re wondering what happened to Part C—that is Medicare Advantage.
Medicare Advantage plans combine parts A, B and D in various ways. Your goal in picking a Medicare Advantage plan is to find the right combination of services for you.
Health insurance companies like the ones you might have had through work provide Medicare Advantage plans. The difference is that the government-run Medicare program contracts with the private insurance companies to run Medicare Advantage, instead of the plans being solely by the companies.
The Silver & Archibald Medicare advisors take the pain out of navigating Medicare Advantage. As a disability law firm that has helped thousands of people win Social Security Disability benefits, we have extensive knowledge of health issues and what types of help people need.
We can help you shop for Medicare Advantage plans throughout Georgia, whether you’re in Athens, Atlanta, Augusta, Columbus, Macon, Savannah or any Geogia community.
How to Choose a Medicare Health Plan: What to Look For
Take into consideration these kinds of information when you’re evaluating Medicare plans:
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- What Are the Costs? Like with most insurance plans you’ve looked at before, you’ll see varying monthly premiums, deductibles, and out-of-pocket maximums. You’ll need to weigh the cost structure and what works best for you financially.
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- What Health Services Are Covered? Your medical conditions help determine what kinds of care you need covered. Check that the Medicare health plan you pick provides what you need. And be sure to understand what’s included in your coverage for the future.
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- What Else Is Covered? You could get vision, hearing or dental coverage under a Medicare Advantage plan. You could also have various types of health coverage through other sources. So when you decide on Medicare Advantage, see how the package you pick fits with other coverage you have and services you need. You also may want to consider a Medicare Supplement—or Medigap—plan that helps with your Medicare costs.
- What Doctors Can You See? As always with health insurance plans, you’ll want to find out if your doctor is in the plan. Or at least, if the doctors and health clinics that are included give you the kinds of choices you want.
Shopping for insurance has always been aggravating. One plan will have a good premium but a high deductible. Another plan is the opposite. The fine print about what’s covered and not covered runs on for pages.
It’s hard to get a simple comparison of plans that tells you which one is better.
Let a Medicare advisor from Silver & Archibald study this for you, break down the pros and cons of every plan, and help you navigate the process. Get reassurance that you’re making the best decision.
And move forward with the best plan for a secure, healthy future.
Get to Know Silver & Archibald Disability Attorneys
Legal cases involving your health struggles are highly personal matters. When you’re looking for help, you want someone who treats you with the personal care, respect, and dignity this moment requires.
Answers to Common Questions About Social Security Disability
Social Security Disability is a huge program with a vast set of rules. As a resource for you as you sort out your disability claim, the disability lawyers at Silver & Archibald have prepared answers to some of the most common questions people have.
This is an advertisement for an insurance product. Insurance products are not NCUA/NCUSIF or otherwise federally insured and are not guarantees or obligations of the law firm. Effective (DATE), Silver & Archibald Law Firm will have a licensed insurance agent to provide assistance with Medicare products. The law firm is collaborating with The Centers for Medicare & Medicaid Services to make insurance products and services available to law firm clients. All law firm products and services are subject to change without notice. Client Eligibility Required. Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area (currently servicing law firm clients who are residents of Georgia and already have Medicare Parts A and B). Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
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