Oct 112011

Medicare open enrollment used to start in November; however, with recent law changes Medicare open enrollment now begins October 15th and runs to December 7th.  It is always best to enroll or renew as early as possible to prevent any delay in coverage.

A quick review of Medicare:

Medicare part A covers hospital costs and some home health.

Medicare part B covers doctor office visits and some home health.

Medicare part C is also known as a Medicare Advantage Plan or a Medicare Replacement plan. This plan replaces your original Medicare plan, which is just another way of saying: If you have plan C then you do not qualify for plan A&B.    However, Part C covers hospital, doctor offices, home health, and for an additional premium some plans offer vision and dental.  They also offer prescription coverage.

Medicare part D is only prescription coverage.

Medigap is also known as Medicare supplemental insurance.  There are multiple types of policies, so be sure you get the right one for you.  A Medigap policy can only purchased if you have Medicare A and/or B.  You cannot buy a Medigap policy if you have Medicare part C.


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