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Frequently Asked Questions

If you’re confused about Medicare and not sure where to start, you aren’t alone. We’re here to help. It’s very common to have an overwhelming amount of questions when starting your Medicare journey. However, whether you have a couple questions, or twenty questions, we’re confident you’ll find this FAQ page resourceful. Our team of Medicare experts compiled a list of some of our most commonly asked questions when entering the world of Medicare to help answer those confusing questions.

Medicare doesn’t need to be as complicated and confusing as it’s cut out to be. Since there are several different topics when it comes to Medicare, we’ll categorize the topics into sections to make it easier on you. For the questions that require a more in-depth explanation, we’ll provide a link to a page with all the information you’ll need to know. Our overall goal is to SIMPLIFY the process of joining Medicare… 

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If you have any questions that are not listed below, please feel free to give us a call at 1-888-321-6361, and one of our agents would be more than happy to answer all your questions. You can always send us an email at help@medicarehero.com, or simply fill out the contact form HERE and we will be in contact with you shortly. 

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Questions About Medicare? We Have Answers!

Medicare is a federal health insurance program designed for only people who are 65 or older. People who are under 65 are not able to join Medicare, unless they have been on Social Security disability for more than 24 months, and have surpassed the waiting period for Medicare coverage. Additionally, people who can also benefit from this program are people with certain disabilities such as end-stage renal disease, and other permanent disabilities.

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Medigap is just another name for a Medicare Supplement Plan. They are the same exact thing and can be used interchangeably. Medigap policies are sold by private insurance companies and will pay some or all of the health care costs that Original Medicare (Medicare Part A & B) doesn’t cover. These costs can include copayments, coinsurance, deductibles and excess fees. These types of plans help make your annual health care budget very predictable and lower your out-of-pocket spending.

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The Foundation of Medicare Coverage is Comprised of Four Parts. “Original Medicare” consists of Part A and Part B. Together, they provide the foundation for your health insurance coverage.

1) PART A • This is commonly known as hospitalization insurance. This mostly covers the cost of your time in the hospital (inpatient care), skilled nursing facility care, hospice care, home health care, and more.

2) PART B • This helps cover your doctors visits and other services including: outpatient procedures, x-rays, lab tests, and preventative services.

3) PART C • These plans are offered by private insurance carriers who have a contract with Medicare and are required to offer the same benefits as Original Medicare. You may enroll in this option to replace your “Original Medicare” (Part A and Part B). “Medicare Advantage Plans” are known as Part C. This combines Part A and Part B coverage.

4) PART D • This is your prescription drug coverage. This is offered to everyone with Medicare. Most Part C plans cover prescription drugs; however, you may be able to add drug coverage to some plans, if they are not already included.

1) PART A • This is commonly known as hospitalization insurance. This mostly covers the cost of your time in the hospital (inpatient care), skilled nursing facility care, hospice care, home health care, and more.

2) PART B • This is typically known as “medical insurance”. This helps cover your doctors visits and other services including: outpatient procedures, x-rays, lab tests, and preventative services.

3) PART C • These plans are offered by private insurance carriers who have a contract with Medicare and are required to offer the same benefits as Original Medicare. You may enroll in this option to replace your “Original Medicare” (Part A and Part B). “Medicare Advantage Plans” are known as Part C. This combines Part A and Part B coverage.

4) PART D • This is your prescription drug coverage. This is offered to everyone with Medicare. Most Part C plans cover prescription drugs; however, you may be able to add drug coverage to some plans, if they are not already included.

One of our licensed, experienced, insurance agents would be happy to provide you with a side-by-side comparison from the leading top insurance companies, and help find the plan that is right for you. Simply follow this link HERE, fill out the quote form, and one of our friendly agents will be in contact with you shortly. It’s that simple!

You have two options if you are still planning on working after you turn 65. You can either join Medicare, or keep your current coverage. We recommend weighing your options to see which coverage will provide you with the best benefits for the lowest premiums.

From our experience, approximately 50% of the time it is best to stay on group coverage, and the other 50% of the time, it is better to join Medicare. This decision should be based on comparing what you currently pay for your health insurance versus what you would pay for Medicare. Additionally, comparing a few of the major benefits such as the deductible and copays.

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Thinking about additional costs when you’re about to retire can be daunting and additional costs you might not anticipate or plan for. Questions like: How much is it? Can I afford it? What will my premiums be? These are all very common questions. 

Big picture, Medicare coverage works a little differently then how we paid our health insurance premiums during our working years… During our working years, most people paid one large premium for all of our healthcare coverage including doctor visits, hospitalization, and drug coverage.  However, Medicare coverage is paid in several smaller amounts for individual parts of coverage. 

For more information on Medicare costs and specific premiums, CLICK HERE 

Here are a few more common Medicare questions with simple answers!

Do all doctors accept Medicare? According to Kaiser, the vast majority of all non-pediatric doctors say they do accept Medicare.

Read the full article here

Does Medicare cover chiropractic? Yes, Medicare covers adjustments when they are medically necessary. Does Medicare provide coverage outside of the U.S.? No. Although some Medicare Supplement plans, such as Plan F and Plan G, will provide up to $50,000 in lifetime foreign travel benefits.

Is Medicare Free? No. While Medicare Part A is free for most people, Medicare Part B does have a monthly premium. Learn More

Does Medicare cover hearing aids? No, Medicare generally does not cover hearing aids or exams for fitting hearing aids.

Does Medicare pay for nursing homes? Medicare only covers up to 100 days of skilled nursing care after a stay in the hospital and the care is medically necessary.

Does Medicare cover vision services? Medicare only covers very limited vision services such as cataract surgery and glaucoma tests.