Let’s Talk About Medicare One On One
Medicare is a great product that is offered to eligible beneficiaries individuals who worked 44 quarter hours of work history in there life-time and paid in 10 -12 years of state taxes and for individuals who are 65 below or disabled individuals who have been disabled for a course of two years and has received social security disability payments .Understand not everyone is is approved for medicare only certain individuals who fall under all the guidelines.The moment you are approved for this product it puts you under and umbrella establishing more benefits that you may be eligible for. Majority of individuals will receive a red white and blue card and don’t ever throw it away ,keep it in a safe place. Now let’s help you understand it and break it down A= Medical B= Hospital. When you have A&B just original Medicare you do have to pay for Part B which is a standard monthly premium between 165 or more depends on the way your social security is set up . Now keep in mind you have an option of getting the extra 20% . When you are deciding to just stick with regular Medicare you have to pay for the extra 20% through a Medicare Supplement. Now this will also be a monthly premium depends on which one you pick out that best suit your needs and financial ability . You also are responsible for paying for Part D drug plan .
Example
Mary has A&B and she wants to keep her original Medicare with 80% and will pay for Part B and she wants to pay for Plan G to cover her 20% and that will also be a monthly standard premium . She also have to have Part D for a drug plan that she has to pay . 20% Medicare Supplement covers everything that A& B does not cover . But you still stuck with paying for your dental vision hearing gym and other products .
When am I am eligible for Medicare ? When turn 65 you can be 3 months before your birthday or 3 months after your birthday makes you eligible for Medicare. Now if you disabled and have drown social security disability and fall under all guidelines for Medicare you may be eligible. But wouldn’t know until you call 1-800- Medicare Depends on what enrollment you fall under ICEP or IEP .
Why do Medicare Eligibles choose MAPD plan?
Many eligible Medicare beneficiaries live on a fixed income . It’s all about you finding what best suite your needs . Sometimes you may hear that advantage is not good thing to get but that is not true . Now let’s break it down when you have A&B you only are covers with 80 percent . So you are still responsible to have the extra 20% . Keep in mind advantage plan has the extra 20% that you may need at no cost to you . When you get into advantage plan most of them have a 0 deductible. Many individuals love the fact that don’t have to pay extra for 20% and also having a zero deductible. As long as you keep paying your Part B standard monthly premium that will keep you qualifying for advantage plan.
What does MAPD have to offer me ?
Glad you asked this it gives you the extra 20% at zero cost to you . The deductible that you would normally pay through a Med Supplement it’s included at zero cost to you and it helps on primary doctor visits and specialist visits . The normal cost for primary visits be zero and specialist be a small copay . MAPD also covers all preventive care and then it gives you helped on additional services that may be need for your health care needs . The dental allowance that is given can range from $1500-$3000 at zero cost to you . It also helps with vision care . Vision care can be very expensive when you living off a certain budget and there are individuals who go to a to get glasses for $2.99 and it messes up their eye vision. With having vision with advantage plan it could give you $200 – $400 on glasses at zero cost to you . MAPD plan helps on Part D for your prescription costs for your medicines.
