Disability Help Center - San Diego - September 2019

HELPING HAND

DisabilityHelpCenter.org

September 2019

DIFFERENCES BETWEEN ORIGINAL MEDICARE AND A MEDICARE ADVANTAGE PLAN MEDICARE 101:

In 1965, the first federal health insurance program, Medicare, was created to help people ages 65 and over regardless of income, health status, or medical history. Then in 1972, the program expanded to provide coverage to selected people under 65 who have a long-term disability. Now, 60 million Americans utilize Medicare in order to receive health and financial security for many medical care services, including hospitalizations, physician visits, prescription drugs, preventive services, skilled nursing facility and home health care, and hospice care.

People eligible for Medicare can get their health coverage through either original Medicare or a Medicare Advantage plan. Here’s a look at the differences between these two options: Original Medicare includes Part A (inpatient/hospital coverage) and Part B (outpatient/medical coverage). You will receive a red, white, and blue card to show your providers when receiving care. Most doctors in the country take your insurance. Additionally, Medicare limits how much you can be charged if you visit participating or nonparticipating providers. Medicare Advantage plans are also known as Medicare Private Health plans or Part C. Some of the most common types of plans are the following: • Health maintenance organization (HMO) plans • Preferred provider organization (PPO) plans • Private fee-for-service (PFFS) plans If you join a Medicare Advantage plan, you will not use the red, white, and blue card when you go to the doctor or hospital. Instead, you will use the membership card your plan sends you to get health services covered. Plans must provide the same benefits offered by original Medicare, but they may apply different rules, costs, and restrictions. They also may offer certain benefits that original Medicare does not cover. Remember that there are several different kinds of Medicare Advantage plans. If you are interested in joining a plan, speak to a qualified representative for more information.

and later decide you would like to try a Medicare Advantage plan (or vice versa), be aware that there are certain enrollment periods when you are allowed to make changes. Consult a licensed broker for specific enrollment-period guidelines. While there are several more differences between original Medicare and Medicare Advantage plans — too many to reference in one article, in fact — you can reach out to Medicare Help USA to see what type of plan you’re eligible for, get advice about which plans suits your needs best, and have them walk you through the application steps. Don’t wait another minute! Give them a call at 1-855- 872-4550 or go to MedicareHelpUSA.com/contact-us to fill out a brief enrollment form!

Because Medicare Help USA has open enrollment in October, they want to provide some helpful information to help you understand some of the differences plans offered.

For these reasons, our team is happy to announce that we have recently partnered with Medicare Help USA, a great organization that can assist you in finding coverage that meets your personal needs. From parts and plans to cost-sharing and formularies, tiers, and coverage gaps, they break Medicare down into bite-sized chunks everyone can understand. Because Medicare Help USA has open enrollment in October, they want to provide some helpful information to help you understand some of the differences plans offered.

Additionally, if you sign up for original Medicare

–Elizabeth Packard

888-418-8860 1

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