At Health Plans in Oregon, We Want To Get You Covered
We have been covering different information about Medicare. Today we are going to cover gaps in Medicare.
One of the benefits of turning 65 is when you are finally eligible for Medicare coverage. Unfortunately, understanding Medicare coverage is not as easy as turning 65. At Health Plans in Oregon, we are dedicated to providing you with the information you need. We make the complexities of Medicare simple.
Medicare is our country’s federal health program that provides millions of people. Unfortunately, there are some gaps in Medicare such as dental, vision, prescriptions, hearing etc.
Knowing where these gaps are, however, let’s you know what your options are and what steps to take to fill in the empty spaces.
Employer Insurance:
If you or your spouse is still working, and you have insurance through that job, it will work with Medicare to cover your health care costs. You should know whether your employer insurance is primary or secondary to Medicare. Primary insurance is health insurance that pays first on a claim for medical and hospital care. Secondary insurance pays after primary insurance.
Retiree Insurance:
Some employers provide health insurance to retirees and their spouses to fill in the gaps of Medicare coverage. Retiree insurancealways pays secondary to Medicare.
Veterans’ Administration Benefits:
If you are a veteran and qualify for VA health benefits, health care and prescription drugs that you get through the VA may be the cheapest. The VA may also cover certain health care that Medicare will not cover for you. VA benefits do not work with Medicare. If you receive care outside of a VA facility you might need Medicare. Medicare does not pay for any care at a VA facility.
Supplemental Insurance (Medigap):
Insurance that you can buy from a private insurance company to fill in the gaps in Original Medicare coverage by paying for your Medicare deductibles, coinsurances and copayments. Depending on where you live, you have up to 10 different Medigap plans to choose from, A, B, C, D, F, G, K, L, M, N (plans in Wisconsin, Massachusetts, and Minnesota have different names). Each offers a different set of benefits. Premiums vary, depending on the plan you choose and the company you buy it from.
Stand-alone Medicare private drug plan (Part D):
If you have Original Medicare and want Medicare drug coverage, you need to sign up for a private plan that only offers drug coverage (PDP). All Medicare drug plans have different costs and a different list of drugs that they cover. Make sure the plan you choose covers the drugs you need at a cost you can afford.
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*By completing this form, you agree that an authorized representative or licensed insurance agent may contact you by phone,email,text, mail or face to face to answer your questions or provide additional information about your Medicare plan options. Not affiliated or endorsed by Medicare or any state or federal governmental agency.
