medicare

how to get the most out of 


Understanding how to maximize your Medicare benefits can help you make the most of the program and ensure you receive comprehensive healthcare coverage.

enroll in medicare on time!


????Enroll in Medicare
    during your initial
    enrollment period,
    which starts three
    months before your
    65th birthday and
    ends three months
    later.
????Failing to enroll on
    time may result in late
    enrollment penalties
    and delays in
    coverage. 

Different parts of medicare


????Medicare is divided into
    four parts: Parts A, Part
    B, Part C, (Medicare
    Advantage), and Part D.
????Part A covers hospital
     stays, while
????Part B covers doctor
     visits and medical
     services.
????Part C provides an
    alternative to Parts A
    and B through private
    insurance plans, and
    Part D covers
    prescription drugs.

understand medicare coverage gaps


????It doesn't cover some
    healthcare costs.
????For example; long-
    term care, dental care,
    or vision care.
????Most of the time it
    covers about 80%,
    leaving you to pay
    copays and
    coinsurance.
????However, after a
    certain number of days
    some benefits may run
    out completely!

understand medicare coverage gaps


????There is no maximum
     out-of-pocket under
     original Medicare, so a
     very large hospital bill
     could potentially leave
     you owing tens of
     thousands of dollars.
????Understanding these
     gaps can help you
     plan for additional
     coverage options.

consider supplemental insurance


????Consider Medigap, a
    private insurance
    that helps fill the
    gaps in Medicare
    coverage.
????Medigap plans cover
    expenses such as
    deductibles,
    copayments, and
    coinsurance, giving
    you more
    comprehensive
    coverage.

explore medicare Advantage plans


????Medicare Advantage
    plans (Part C) are offered
    by private insurance
    companies and provide
    an all-in-one alternative
    to Original Medicare
    (Parts A and B).
????These plans often
    include prescription drug
    coverage and may offer
    additional benefits like
    dental and vision care.
????Unlike original Medicare,
    Medicare Advantage
    plans put a cap on the
    most you'll have to pay
    out of pocket.

review prescription drug coverage


????Medicare Part D
    provides coverage for
    prescription drugs.
????Choose a plan that
    covers your specific
    prescriptions at the
    lowest cost.
????Consider factors such
    as monthly premiums,
    deductibles,
    copayments, and the
    network of
    pharmacies available.

Take advantage of preventive services


????Make sure to utilize
    the range of range
    of preventive
    services Medicare
    covers, like
    vaccinations,
    screenings, and
    wellness visits to
    help detect
    potential health
    issues early on.

stay informed and review your coverage annually


????Review your coverage
    annually during the
    Open Enrollment
    Period (October 15th
    to December 7th).
????Make sure your
    current plan still
    meets your needs.
????If necessary, explore
    other options to
    ensure you continue
    to get the most out of
    your Medicare
    benefits. 


Being proactive and informed about your coverage will help you receive the comprehensive healthcare you deserve through the Medicare program!   


Not sure where to start?

Click here to make an appointment with your Personal Benefits Manager free of cost to help you select the best plan for your individual needs.