If you have been keen, you may have noticed that original Medicare does not have a provision for dental and vision cover. In no way, it is not an excuse not to bother with getting yourself covered on dental and vision health. Already you may be asking: how do I get dental and vision coverage…
Generally, Medicare has different parts that cover specific services. Most people receive their benefits through Original Medicare, which includes Parts A and B benefits. This is also referred to as Traditional Medicare where the federal government pays directly for your healthcare services. However, there are other types of Medicare that can provide additional coverage. So,…
Medicare Part F offers the most comprehensive coverage under Medicare supplemental insurance plans. Plan F is also known as Medigap because it covers the gap in Medicare plans A and B. Does Medicare part F cover prescriptions? You can get consultation and treatment without paying anything. However, plan F does not cover prescriptions. There are…
Medicare contains two parts; there’s Medicare Part A and Medicare Part B. Medicare Part A covers hospital insurance, whereas Medicare Part B covers medical insurance. Medical Part A will cover Medicare inpatient care. So, who qualifies for free Medicare part A and what are the facilities? Anyone 65 or above is able to qualify for…
Medicare is a whole new world of information, and if you are turning 65, it can be a little overwhelming. Medicare Part B is a more comprehensive health scheme compared to Medicare Part A. But what’s the catch in it and is Medicare Part B mandatory at age 65? When enrolling for Medicare, you have…
As affordable as medicare makes healthcare, it can be pretty difficult calculating the costs shared and the type of medical services actually covered. One wrong miscalculation of a grey area can be down right costly. A common grey area is surgery. Medicare doesn’t actually deny surgery, but it is crucial to make sure you know…
If you are new to the Medicare program and don’t know where to start, then this guide is for you. In the next section, we’ll inform you of the advantages of medicare and basic information on how it works. What is Medicare? Medicare is the federal health insurance program managed by the CMS (Center for…
Our Team Here at Vertex Insurance truly understands how Health Insurance is necessary for every family. Health insurance is coverage that pays for the medical expenses used by the insured. It can be reimbursed by the insured or the insurer can pay directly to the care provider. Without the proper health insurance a hospital stay…
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10 Medicare Mistakes To Avoid
1. Doctors not in network.
2. Chronic health conditions that require expensive costly treatments higher than it should be.
3. Prescription drugs not covered.
4. Expensive prescriptions that put you in the coverage gap. (Donut Hole)
5. Referrals not processed timely.
6. Bills received that are not owed.
7. Prior authorizations not done timely.
8. Additional benefits such as a free gym membership not included.
9. Pharmacy not in network.
10. Premiums continue to escalate.
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Medicare Advantage Plans with their all-in-one Medicare packages are maintaining their popularity, according to Google Trends. New enrollees are used to HMO- and PPO-style healthcare because that’s usually what they had with their employers. It’s just more of the same for them.
Medicare Advantage Plans can also be a money-saver for those in good health because they usually pay lower premiums and avoid having to make copayments or pay coinsurance.
However, there are still some very good reasons to opt for traditional Medicare Parts A & B and one of the Medicare Supplement Plans (Medigap) that are available. One of those would be if you’re already under the care of doctors when you join Medicare and don’t want to risk having to leave them. Another reason would be to avoid the copayments or coinsurance that you’d have to pay in a Medicare Advantage program if you’re being treated for a chronic condition.
The choice between a Medicare Advantage Plan and a Medicare Supplement Plan can be a difficult one. Your costs will depend greatly upon your physical condition and health outlook at the time of enrollment. It pays to speak with a trained Medicare consultant prior to making your decision.