If you've paid into Social Security for 10 years, you qualify for Medicare Part A and Part B at age 65. The healthcare insurance coverage offered through Part A and Part B provides seniors with a safety net against costly illness or injury, however there are some gaps in Medicare coverage that could make signing up for a Medicare Advantage plan the best idea. Adler Insurance brings you these tips for navigating Medicare health plans. Unlike Part A and Part B Medicare, Medicare Advantage plans are offered by private insurance companies, although the total coverage offered by these, plans can differ from insurer to insurer, all Medicare Advantage plans must provide, at a minimum, comparable coverage to what is offered by the government-run Part A and Part B.
What is covered?
Part A Covers
- Hospitalization
Part B Covers
- Lab services
- X-rays
- Mental health services
- Other healthcare services
Medicare A and B fall short because they don't provide coverage for prescription medicine. In order to obtain insurance coverage for medicine, seniors can either sign up for a separate drug plan, known as Part D, or enroll in a Medicare Advantage plan that offers drug coverage.
Medicare Advantage plans are a better solution as it covers the gaps in coverage in the Part A and B plans.
Another advantage of Medicare Advantage plans is that they can include more coverage for vision and hearing loss. Part A only pays for vision loss that's associated with a medical emergency or traumatic injury requiring hospitalization and Part B doesn't pay for routine eye exams and only pays for eye glasses if they're required following cataract surgery. Seniors are likely to also pay more for hearing-related health care on traditional Medicare than they do on a Medicare Advantage plan.
Adler Insurance in Prescott can help take the headache out of medicare advantage plans! Call us today 928-710-1455 or visit our Website http://www.adlerlifehealth.com
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