Carbon County Utah Health Insurance

Original Medicare

Medicare is a social insurance program administered by the U.S. government, which helps with medical costs for seniors and some disabled people.

To get Medicare, you must be a U.S. citizen or permanent resident and be at least 65 years old. You can also qualify for Medicare if you are younger than 65 and have certain disabilities.

Medicare Part A and Part B

Medicare has different costs depending on the type of coverage you have. For example, Part A is free for most people, but Part B has a monthly premium. You may also have to pay a deductible and coinsurance

Medicare Part D

Medicare Part D is a voluntary benefit that Medicare beneficiaries can choose to receive when they need to use a prescription drug. Medicare Part D benefits are offered as stand-alone prescription drug plans (PDPs) that are not covered by Medicare, or as Medicare Advantage plans (MA-PDs). 48 million of the 62 million Medicare beneficiaries will have Part D plans by 2021.

Medicare Drug Plans

Medicare Drug Plans provide medical benefits that are covered in various phases, including a deductible, an initial coverage phase, a gap phase, and a catastrophic phase, although there is no hard cap on out-of-pocket medical expenses.

Medicare Part C

Medicare Advantage plans (Medicare Part C) are privately administered, so costs and benefits can vary according to the particular plan you choose. Some Medicare Advantage plans may feature $0 monthly premiums.

Medicare Advantage

Most Part C plans (Medicare Advantage Plans) offer prescription drug coverage. Some plans may also cover routine vision and dental care as well as a number of other benefits such as free gym memberships and transportation costs related to medical care, all of which is not covered by Original Medicare. However, it’s important to check with an insurance agent or with your plan carrier to find out exactly what benefits may be covered under your Medicare Advantage plan.

Medicare Supplements

Medicare Supplement Plans are also referred to as Medigap or Medigap Plans. Medigap is a type of insurance that helps people with Medicare cover health care costs by paying for services that Original Medicare does not cover. They are sold by private insurance companies as a way to help you or your family pay for certain medical services and supplies.

Original Medicare pays for many health care services and supplies – it may not pay for all the costs. Medicare Supplement Insurance (Medigap) can help you cover some of the rest of the costs of health care.

Medigap Plans

You may be able to apply for a Medicare Supplement Insurance plan after you turn 65 if you meet certain eligibility requirements.

Medigap insurance is like an extension of your Original Medicare and helps you pay for certain out-of-pocket medical expenses such as copays, coinsurance, and more. Those who are eligible to have a Medigap plan should apply for it during their Medigap Open Enrollment Period, which lasts six months and begins when you become 65 and are enrolled in Medicare Part B.

It’s important to understand that Medicare Supplement plans and Medicare Advantage plans are different. It is not possible to have both Medicare Supplement plans and Medicare Advantage plans.