How does Medicare work when I turn 65? Am I enrolled automatically? When do I sign up? How much does it cost? Will my doctor take Medicare? GA Medicare expert Bob Vineyard explores what Medicare is, and how it works.
Ask questions of an expert who is enrolled in Medicare. Over 45 years health insurance experience. You have questions? He has answers. No selling, ever. Call or email.
Table of Contents
Is Medicare Advantage Better Than Medicare?
What is Medicare Part C? Is Medicare Advantage better than Medicare supplement? What is original Medicare? What is the difference in Medicare supplement and Medigap? How can I find the best Medicare supplement rates?
Do I have to pay for Medicare? Does it cost more than my group insurance plan? How does it compare to Obamacare? Can I get a subsidy?
What are the copay’s? What is the deductible? How much will it cost me to go to the doctor? Will I have to file a claim? How do I satisfy my deductible? Do I pay my doctor every time I go? What are my Medicare premiums? How much is Medicare Part A? How much is my Medicare Part B premium?
What are Medicare 2020 plans? Which Medigap plan is the best? Does Medicare cover prescription drugs? Is my doctor in network? Do I need a referral to see a specialist?
Does Medicare Cover Everything?
Does Medicare cover dental work? Are hearing aids covered by Medicare? How about vision coverage?
How do you find answers to your Medicare questions WITHOUT getting a SALES PITCH?
Everyone wants to talk. No one wants to listen and answer . . . until you BUY SOMETHING.
Something you don’t want, don’t need and can’t afford.
Medicare explained using words you can understand. A Medicare 101 course if you will.
An Offer You Can’t Refuse
Give me 10 minutes by phone. Ask ANY question. How does Medicare work?
I can tell you.
What’s the difference in Medigap and Medicare supplement?
Like Kleenex and tissue, Medigap and Medicare supplement are two ways of saying the same thing.
How easy was that?
What is Medicare and how do I use it?
Medicare is health insurance designed primarily for folks age 65 and older. Those who are younger than 65 may qualify if they are disabled or have end stage kidney disease.
Medicare has 4 parts. Your red, white and blue card is broadly accepted by doctors and hospitals alike. No networks! Referrals not needed. Nor is prior authorization.
Medicare Part A covers hospital inpatient charges and has a per admission deductible
Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%.
When you have original Medicare, YOUR DOCTOR AND YOU decide on the care you need. You don’t need approval by an insurance carrier before can receive testing or treatment.
Most seniors worry about hospital stays, but your major expenses will more than likely fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses.
You pay until you run out of money, get well or die.
Medicare Part C is now referred to as Medicare Advantage.
Medicare Part D covers outpatient prescription drugs.
Why is Medicare Part D confusing?
Seniors often buy the wrong drug plan and spend too much on their prescription plan. Seniors on Medicare spend an average of $263 per month on prescription medications.
Lower your medication bill by only using your drug card when necessary. The right drug plan will save a lot on brand names but you will almost always pay MORE for generics.
Consider paying cash or using GoodRx instead for maximum savings. Also look for drug plans that have a deductible.