Medicare in Detail 2

Medicare in Detail 2

Medicare Part D (prescription drug coverage) adds Medicare coverage to the original drug, some Medicare cost plans, some private service fee plans, and Medicare savings account plans. These plans are offered by insurance companies and other Medicare approved private companies.

Medicare Advantage plans may also offer prescription drug coverage, following the same rules as prescription drug plans. Remember that you may have a late enrollment penalty if you do not have a Prescription Drug Plan (Part D) or without a Medicare Benefit Plan (Part C) (such as an HMO or OPP) or other health plan. . Medicare Health offers Medicare-controlled drug coverage or no credible prescription drug coverage for an ongoing period of 63 days or more after the initial enrollment period ends.

How Medicare Works

Original Medicare is a federally administered coverage. There is usually a cost for each service. In most cases, you can look for any doctor, other healthcare professional, hospital or other center that is enrolled in Medicare and accepts new Medicare patients. With a few exceptions, Original Medicare does not cover most prescriptions. However, you can add health insurance by clicking in the Prescription Drug Plan (Part D). With Original Medicare, you don’t have to choose a primary care physician. In most cases, with Original Medicare, you do not need referral to consult a specialist, but the specialist must be enrolled in Medicare. You may already have employer or union coverage that you can pay for costs that Original Medicare does not have. Otherwise, you may want to purchase a Medicare supplement insurance policy (Medigap).

How to enroll in Medicare

If you receive Social Security benefits before your 65th birthday, you will automatically receive a notification of your Medicare enrollment immediately before your 65th birthday or 25th disability. Other people must submit a request by calling or visiting the Social Security office to receive Medicare. If you still do not receive Social Security or if you have not received a Medicare registration notice, contact your nearest Social Security office for information. Medicare applications can be made during a seven-month period, which begins three months before your 65th birthday month.┬áIt’s best to submit your request during the three months prior to your 65th birthday. If a claim is made during this period, your coverage will begin on the first day of your month of birth. Subsequent enrollment will delay the start of your benefits.