Has the time come for you to apply for Medicare in Moorestown, NJ? You’ll be happy to know that Medicare is good insurance, and most people are satisfied. But it’s important to understand the ins and outs of this health insurance option for seniors before deciding on your plan and to know what health care services are covered—and which ones aren’t.
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What Are the Different Parts of Medicare Coverage?
What Are the Different Parts of Medicare Coverage?To understand the scope of coverage options, you’ll need to know the different parts of Medicare:
- Part A provides basic hospitalization coverage.
- Part B covers outpatient care like doctors’ visits and diagnostic testing.
- Part C (Medicare Advantage) is a private option that combines Part A and B and offers additional benefits.
- Part D is prescription drug coverage.
Medicare supplement plans (Medigap) are private insurance plans that help cover out-of-pocket costs like copays, coinsurance, and deductibles.
What Do the Different Parts of Medicare Cover?
Medicare Part A. Medicare Part A covers hospital costs when you’re formally admitted with a doctor’s order. The insurance pays for wheelchairs and walkers, hospice care, some home health care services, blood transfusions, and limited coverage for skilled nursing.
Medicare Part B. Medicare Part B covers doctor visits and preventive health care like yearly screenings and exams.
Some of the tests and services covered are:
- Cancer and mental health screenings
- Ambulance and emergency department services
- Vaccinations for flu and hepatitis
- Medical equipment and diabetes supplies
Medicare Part C. Also called Medicare Advantage, this private option provides the benefits of Part A and Part B and extra benefits like dental, hearing, vision, and prescription drug coverage. You’ll pay a premium for this plan through an insurance company and can only see the doctors in your network.
Medicare Part D. Medicare Part D covers prescription drugs. This plan is optional, but we highly recommend it because you could face late enrollment penalties later on.
What Doesn’t Medicare Cover?
While Medicare supports a wide range of services, there are some things it doesn’t provide coverage for, such as:
- Hearing aids
- Most dental care, including dentures,
- Routine vision and foot care
- Long-term or custodial care
- Acupuncture
- Cosmetic surgeries
- Medical care overseas
Need Help Navigating Options for Medicare in Moorestown (or From Anywhere in the US)?
The system can be overwhelming, but the licensed Medicare insurance specialists at Leonard Financial Solutions can help. From navigating the enrollment process to assessing the right plans for your needs, we provide thorough information and guidance on Medicare in Moorestown so you can make truly informed decisions about your financial future.
When you work with us, you can rest assured the options you choose align perfectly with your overall goals for financial security. Contact us today for a free consultation by clicking the button above or calling 856-444-5433 now. Although we're located in Moorestown, New Jersey, we serve clients from all over the United States.
