Answers Your Top Medicare Coverage Questions A Guest by GoHealth

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Whether you’re a first-time Medicare buyer or a long-time enrollee, finding the right Medicare coverage can be confusing.

In an effort to help you find the right combination of plans, we’re answering the top consumer Medicare questions, including what your first step should be, your prescription drug coverage options, and much more.

Top 10 Medicare Coverage Questions

1. If I have Part A, how do I add Part B?

In order to complete your Original Medicare coverage and enroll in Part B, you must contact the Social Security office and actively enroll. Once you have both Parts A & B, you can complete your Medicare coverage with additional options.

2. What is a Medicare guaranteed issue right, and do I have it?

A Medicare guaranteed issue right is your right in certain situations to be granted a Medicare Supplement plan – or Medigap policy – regardless of certain other details concerning your health. In these specific situations, insurance companies must sell you a Medicare Supplement plan, cover all your pre-existing conditions, and not charge you more for a policy because of any health problems. Most commonly, you may have a guaranteed issue right if you lose coverage or your current health coverage changes.

3. If I only have Part A, what other types of Medicare can I get?

If you only have Part A, you are eligible to also get Part B. You cannot move forward with exploring other types of Medicare coverage until you have both Parts A & B.

4. Can I enroll in Part D without having Part B?

Unfortunately, you cannot. In order to move forward with additional Medicare options (including Part D), you must first have both Parts A & B.

5. What are my coverage options when it comes to prescription drugs?

If you need prescription drug coverage, you have a few different options. Once you get Parts A & B, you can choose to switch to Medicare Advantage, which sometimes offers prescription drug coverage. You can also choose to enroll in a Prescription Drug plan – or Part D – which offers different coverage options depending on which drugs you take.

6. How do I find my Medicare claim number?

You can call Social Security, and a representative there can help you locate your Medicare claim number.

7. How do I enroll in Medicaid?

You should call your state’s Medicaid department if you’re interested in Medicaid health insurance coverage.

8. What is the difference between Medicare Supplement and Medicare Advantage plans?

Medicare Supplement – or Medigap – plans help you complete your coverage. They can help you pay for health care costs that may not be covered by Original Medicare, such as copayments, coinsurance, and deductibles. Medicare Advantage is a private health insurance option that is required to cover all the same benefits as Parts A & B, plus additional benefits, such as prescription drug coverage. You cannot have a Medicare Supplement plan and Medicare Advantage at the same time.

9. Why would I enroll in Medicare Advantage instead of Original Medicare? Aren’t they the same thing?

While they are similar, there are also differences between Medicare Advantage and Original Medicare. By law, Medicare Advantage plans are required to cover all the same benefits as Original Medicare, or Parts A & B.

However, there may be some differences in how you pay your out-of-pocket costs with a Medicare Advantage plan, or you may have a smaller or larger deductible. There also may be some differences in the coverage itself. For example, while Original Medicare does not cover prescription drugs, some Medicare Advantage plans do offer that coverage.

10. How do I avoid gaps in my Medicare coverage?

There are many different types of Medicare coverage available to help you avoid any gaps in your coverage. It’s important to explore all of your options and coverage combinations with a licensed agent.

Call 1-877-568-1851 – TTY 711 to speak with one of our licensed sales agents. To enroll in Original Medicare, please contact your local Social Security office.

Medicare has neither reviewed nor endorsed this information.

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GoHealth Answers Your Top Medicare Coverage Questions posted by GoHealth

Guide to US Veterans Benefits An Article Originally Posted on A Place for Mom Blog

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ACCESS UP TO $2,000 PER MONTH IN VETERANS AID

The Veteran’s Aid and Attendance (VA&A) Pension provides benefits to veterans and their spouses to help pay for costs of care – both in-home care and senior housing. At A Place for Mom we work with many families who are not aware of the benefit and miss out on key financial support that help pay for senior living and home care expenses.

The benefit is anticipated to change next year and could impact the number of families eligible for this financial support. We encourage families to take action now to determine their eligibility.

LEARN MORE ABOUT THE VETERAN’S AID AND ATTENDANCE BENEFIT

LEARN MORE

VETERAN’S AID AND ATTENDANCE BENEFIT OVERVIEW

2016 BENEFITS

  • $1,788 per month for a veteran
  • $1,149 per month to a spouse
  • $2,120 per month to a couple
  • $1,406 per month to a veteran with a sick spouse

ANTICIPATED CHANGE 2017

We anticipate the payout to be consistent with current level, however, we believe the eligibility requirements will change.

2016 ELIGIBILITY REQUIREMENTS

  • Veteran served during an approved war period and honorably discharged.
  • Reviews current income and assets when applying. Veteran must meet following requirements:
  • – $80,000 or less in total assets with the exception of one home and one vehicle.

ANTICIPATED CHANGE 2017

The VA has provided guidance that the eligibility requirements will change in 2017.

It is to your advantage to apply today.

VETERANS BENEFITS 101

Veterans benefits provide those who have served their country, as well as their spouses, financial assistance during their retirement years. Veterans who are at least 65 years-old* and who served during war time (though not necessarily in actual combat) may be eligible for financial assistance through the Department of Veteran Affairs (VA) that can be used to help pay for care. Spouses and surviving spouses of wartime veterans are also often eligible. Veteran’s benefits can make all the difference for families who struggling to pay for care.

For further reading:

http://www.aplaceformom.com/senior-care-resources/articles/guide-to-us-veterans-benefits?mkt_tok=eyJpIjoiTnpRME1HVTJZVGhqTjJRMyIsInQiOiJlYmpaNmVGNlhcLzJqU2o2ZUJoS1dQWEpZZkorK0lXWU5qRkhvZDR5ZDk1bzh3ZSt5dVlsaU9EWEc3TFhNTGRvZVRhRCsyRTNoUzhJbkVKSmpiQ28rZEptVWJldDhxQTRma1NCODRzUzZiWGM9In0%3D