New To Medicare

(Taken from Medicare.gov Website)

Your Medicare Options 

When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare: 

Original Medicare

  • Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).
     

  • If you want drug coverage, you can join a separate Part D plan.

    To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you can also shop for and buy supplemental coverage.

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Part A

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Part B

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You Can Add Part D
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Part D

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You Can Also Add 
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Supplemental Coverage

(Some examples include coverage from a Medicare Supplement Insurance
(Medigap) policy, or coverage from a former employer or union.)

Medicare Advantage

(also known as Part C) 

  • Medicare Advantage is an
    "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D.

     

  • Some plans may have lower out­-of-pocket costs than Original Medicare.
     

  • Some plans offer extra benefits that Original Medicare doesn't cover- like vision, hearing, or dental.

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Part A

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Part B

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Most Plans Include
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Part D

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Some Plans Also Include: 
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Lower out-of-pocket costs

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Extra benefits

Understand Your Medicare Options - Click Below

Signing up for Medicare


Some people get Part A and Part B automatically

If you're already getting benefits from Social Security or the Railroad Retirement Board (RRB), you'll automatically get Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.)

If you're under 65 and have a disability, you'll automatically get Part A
and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.




How does other insurances work with Medicare?


When you have other insurance and Medicare, there are rules for whether Medicare or your other insurance pays first.




What if I need help paying my Medicare health care
costs?


Medicare Savings Programs
If you have limited income and resources, you may be able to get help from your state to pay your Medicare costs if you meet certain conditions.




What do I pay for Part A-covered services?


Copayments, coinsurance, or deductibles may apply for each service listed on the following pages.




What does Part B cover?


Medicare Part B (Medical Insurance) helps cover medically necessary doctors' services, outpatient care, home health services, durable medical equipment, mental health services, and other medical services. Part B also covers many preventive services. You can find out if you have Part B by looking at your red, white, and blue Medicare card. If you have it, it will be listed as "MEDICAL'' and will have an effective date. See pages 30-49 for a list of common Part B-covered services and general descriptions. Medicare may cover some services and tests more often than the timeframes listed if needed to diagnose or treat a condition.

To find out if Medicare covers a service not on this list, visit Medicare.gov/coverage, or call 1-800-MEDICARE (1-800-633-4227 ). TTY users can call 1-87 7-486-2048. For more details about Medicare covered services, visit Medicare.gov/publications to view the booklet "Your Medicare Benefits." Call 1-800-MEDICARE to find out if a copy can be mailed to you.





The information below has been taken from the "2020 Medicare & You Handbook"

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