Medicare

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Medicare Open Enrollment

There are four parts that make up Medicare which are referred to as Parts A, B, C and D. Part A provides inpatient/hospital coverage. Part B provides outpatient/medical coverage. Part C provides an alternative way of receiving your Medicare benefits. Lastly, Part D provides prescription coverage.

Types of Medicare

  1. Traditional Medicare, also commonly referred to as Original Medicare, is a traditional program offered directly by the Federal Government. This plan utilizes Medicare’s Parts A and B. Under this plan, the government pays directly for the health care services you receive. You can see any doctor, or hospital that accepts Medicare in the country which most do without getting prior authorization to do so. With this plan, it is recommended to have a supplementary insurance to cover the 20% Traditional Medicare does NOT cover, as well as prescription coverage.
  2. Medicare Advantage Plans, also known as Private Medicare Health Plans, or Managed Medicare, utilizes and bundles together Parts A, B and C. You are still responsible for paying the monthly premium for Part B, and if you have one for Part A. These plans provide the same services as Traditional Medicare, however, they do so with different rules and restrictions on the medical care you receive.

Our Recommendation - Traditonal Medicare

It is in your best interest to always understand all of your Medicare coverage choices, and to choose wisely.

Traditional Medicare allows you to go to nearly any doctor or hospital in the country, regardless if they are in-network or out-of-network.

Whereas, Medicare Advantage Plans usually have network restrictions (can be in-network only or HMO plans) which can limit the doctors and hospitals you can receive care at.

In other words, Traditional Medicare is your best option if you can afford the premiums, and you want to continue seeing your current primary doctor or specialist without any limitations on the care you are provided.

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