Medicare Made Easy

allmobility presents: Medicare Made Easy Iscooters.com Meet Linda In three Who Said Medicare Has to Be Difficult? months, Linda is turning 65. She's At AlIMobilityScooters.com, we believe you shouldn't have to work hard to understand your Medicare coverage choices. Senior citizens can better spend their time spoiling grandchildren, learning new things and simply enjoying their golden years. healthy, retired, and lives comfortably with her life insurance premium. But she knows accidents and other OF AMERICANS OVER 60 DON'T UNDERSTAND MEDICARE You qualify for part or all of Medicare coverage if you: unexpected events can occur, which is why she decides to • Are turning 65 • Are 65 and over sign up for Medicare • Are of any age with end stage renal • Are of any age with a severe disability like amyotrophic lateral sclerosis disease • Have been receiving Social Security benefits for at least 24 months The Plans And Their Options The Now that you are qualified, let's see which Medicare plans and options suit your needs. Help Line MILLION PEOPLE HELPED BY MEDICARE Original Medicare Medicare Advantage Medicare iş divided into multiple parts. Linda isn't sure which ones Part A Part C are right for her, so she calls Medicare's help line Hospital insurance, helps cover inpatient care in hospitals, skilled nursing facility, hospice, and home health care. Most people don't pay a premium because they paid Medicare taxes while working. H Medicare Advantage (MA) is also called H (1-800-MEDICARE or Part C. It combines 1-800-633-4227) for Parts A, B, and in some cases, D. It is not supplemental, but offered by private companies approved by Medicare. (Think answers. Part C Linda has to decide if Part C is worth it. She weighs the benefits Part B Helps cover vital services or supplies of this as an HMO or and downsides: PPO.) Pros Each MA plan can • All the services in Part A, B. and some of D OF BENEFICIARIES HAVE PRESCRIPTION DRUG COVERAGE that are needed to have different out- diagnose or treat your medical conditions. • Extra coverage for vision, hearing, dental, and/or health wellness program of-pocket costs and rules for how to get services, and these rules can change each year. Also covers some preventive services. A monthly premium is required. • Coverage for special medical conditions Cons • Out-of-pocket costs vary • Will require referrals before seeing specialists Part D (optional) To get Medicare prescription drug coverage, you enroll in a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered. Part D (optional) If MA doesn't provide satisfactory prescription drug coverage, extra coverage can be added at additional cost. Each plan can vary in cost and drugs covered. Mind The Gap • Limits access to certain doctors and providers, especially those out of network Linda decides to sign up for Parts A and B, with the option to sign up for Part D, to help cover prescription drugs by lowering the price and protecting against higher costs in the future. Linda may find that Medigap Policy (optional) Coverage from a private company that fills gaps in Original Medicare coverage. Sign Up! she incurs more cost than she expects. Fortunately, she Apply For Medicare Advantage has the option to sign up for Linda a Medigap policy, to cover signs up by deductibles, co-payments, phone within and excess charges arising from Medicare-covered her Initial Enrollment Period MA plans vary according to insurance coverage. Contact your healthcare provider for more information. (from three months before Costs vary by policy and company. services. Policies and costs her 65th birthday through four months after it), so she vary by state, so Linda visits the Medicare website to doesn't have to pay high find one near her (www. premiums; she gets to see medicare.gov/find-a-plan). her doctor for regular check- Apply For Original Medicare ups and preventative care, all at a lowered cost. And if SOURCES www.KFF.ORG/MEDICAPE/UPLOND/8103.PDF www.MEDPNC. GOV she needs to start meeting www.MEDICARE.GOV with a specialist, she has www.BUSNESSWRE.COM/NEWS/HOME/20110926005989/EN/ the option of signing up for SURVEY-BENEFIOWRES-BOOMERS-REMAIN-CONFUSED-MEDICARE ENDOFTHEMMERICANDREAM.COM/NCHVES/N-2011-THE-BABY- BOOMERS-START-TO-TURN-65-16-STATISTICS-ABOUT-THE-COMNG- supplementary insurance to help her afford the care and Apply online, by phone, or in person at your nearest Social Security office. RETIREMENT-CRISIS-THAT-WILL-DROP-YOUR-JAN treatment. 10k BOOMERS WILL TURN 65 EVERY DAY FOR THE NEXT 20 YEARS Now You've Got It AlIMobilityScooters.com strives to make life easier for you. We hope this guide has improved your understanding of Medicare and how it can benefit you. allmobility presents: Medicare Made Easy Iscooters.com Meet Linda In three Who Said Medicare Has to Be Difficult? months, Linda is turning 65. She's At AlIMobilityScooters.com, we believe you shouldn't have to work hard to understand your Medicare coverage choices. Senior citizens can better spend their time spoiling grandchildren, learning new things and simply enjoying their golden years. healthy, retired, and lives comfortably with her life insurance premium. But she knows accidents and other OF AMERICANS OVER 60 DON'T UNDERSTAND MEDICARE You qualify for part or all of Medicare coverage if you: unexpected events can occur, which is why she decides to • Are turning 65 • Are 65 and over sign up for Medicare • Are of any age with end stage renal • Are of any age with a severe disability like amyotrophic lateral sclerosis disease • Have been receiving Social Security benefits for at least 24 months The Plans And Their Options The Now that you are qualified, let's see which Medicare plans and options suit your needs. Help Line MILLION PEOPLE HELPED BY MEDICARE Original Medicare Medicare Advantage Medicare iş divided into multiple parts. Linda isn't sure which ones Part A Part C are right for her, so she calls Medicare's help line Hospital insurance, helps cover inpatient care in hospitals, skilled nursing facility, hospice, and home health care. Most people don't pay a premium because they paid Medicare taxes while working. H Medicare Advantage (MA) is also called H (1-800-MEDICARE or Part C. It combines 1-800-633-4227) for Parts A, B, and in some cases, D. It is not supplemental, but offered by private companies approved by Medicare. (Think answers. Part C Linda has to decide if Part C is worth it. She weighs the benefits Part B Helps cover vital services or supplies of this as an HMO or and downsides: PPO.) Pros Each MA plan can • All the services in Part A, B. and some of D OF BENEFICIARIES HAVE PRESCRIPTION DRUG COVERAGE that are needed to have different out- diagnose or treat your medical conditions. • Extra coverage for vision, hearing, dental, and/or health wellness program of-pocket costs and rules for how to get services, and these rules can change each year. Also covers some preventive services. A monthly premium is required. • Coverage for special medical conditions Cons • Out-of-pocket costs vary • Will require referrals before seeing specialists Part D (optional) To get Medicare prescription drug coverage, you enroll in a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered. Part D (optional) If MA doesn't provide satisfactory prescription drug coverage, extra coverage can be added at additional cost. Each plan can vary in cost and drugs covered. Mind The Gap • Limits access to certain doctors and providers, especially those out of network Linda decides to sign up for Parts A and B, with the option to sign up for Part D, to help cover prescription drugs by lowering the price and protecting against higher costs in the future. Linda may find that Medigap Policy (optional) Coverage from a private company that fills gaps in Original Medicare coverage. Sign Up! she incurs more cost than she expects. Fortunately, she Apply For Medicare Advantage has the option to sign up for Linda a Medigap policy, to cover signs up by deductibles, co-payments, phone within and excess charges arising from Medicare-covered her Initial Enrollment Period MA plans vary according to insurance coverage. Contact your healthcare provider for more information. (from three months before Costs vary by policy and company. services. Policies and costs her 65th birthday through four months after it), so she vary by state, so Linda visits the Medicare website to doesn't have to pay high find one near her (www. premiums; she gets to see medicare.gov/find-a-plan). her doctor for regular check- Apply For Original Medicare ups and preventative care, all at a lowered cost. And if SOURCES www.KFF.ORG/MEDICAPE/UPLOND/8103.PDF www.MEDPNC. GOV she needs to start meeting www.MEDICARE.GOV with a specialist, she has www.BUSNESSWRE.COM/NEWS/HOME/20110926005989/EN/ the option of signing up for SURVEY-BENEFIOWRES-BOOMERS-REMAIN-CONFUSED-MEDICARE ENDOFTHEMMERICANDREAM.COM/NCHVES/N-2011-THE-BABY- BOOMERS-START-TO-TURN-65-16-STATISTICS-ABOUT-THE-COMNG- supplementary insurance to help her afford the care and Apply online, by phone, or in person at your nearest Social Security office. RETIREMENT-CRISIS-THAT-WILL-DROP-YOUR-JAN treatment. 10k BOOMERS WILL TURN 65 EVERY DAY FOR THE NEXT 20 YEARS Now You've Got It AlIMobilityScooters.com strives to make life easier for you. We hope this guide has improved your understanding of Medicare and how it can benefit you.