Review of medicare
Part A
Part A gives you help with hospital costs. Part A covers Medicare inpatient care, including care received while in a hospital, a skilled nursing facility, and, in limited circumstances, at home.
Supplement/ Medigap
The supplement or Medigap policy is in addition to Original Medicare. You can go to any doctor or hospital in the country that accepts Medicare. The Medigap will help cover your Medicare out-of-pocket costs. Medigap plans are standardized by law. Supplement/ Medigap plans are labeled by letter. All Medigaps of the same letter cover the same benefits. These companies can charge different prices for the same coverage. It pays to shop around. Medigap prices vary based on where you live and your age.
Part D
Part D Prescription plans help pay for your prescriptions drug medications. There are many choices, and we need to pick the right fit for you – discuss your medication, whether it is generic, where you fill your prescriptions. There is a perfect fit for everyone, and you can change your plan once a year.
Part B
Part B helps with doctor's care and outpatient care, covers medical services and supplies that are medically necessary to treat your health condition. This can include Doctor visits, outpatient care, preventive services, ambulance services, and durable medical equipment.
Advantage
If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. They must cover all benefits Original Medicare covers. They may also cover extra benefits that Original Medicare doesn’t cover, such dental or vision care. There is a yearly out-of-pocket spending limit. These limits can be high but protect you if you need a lot of care. With Advantage you must use the doctors and hospitals in their network.
Additional Benefits
There are many additional benefits such as hearing, dental, vision, nursing helplines and long term care that you should be fully aware of how these plans may enhance your life and lives of your loved ones.