The government’s website www medicare gov is rich in information but can be a confusing experience for many seniors. It has millions of pages and thousands of topics, forms, and publications. If you visited Medicare.gov and still have questions about Medicare Part D or Medicare Advantage plans, we can help connect you with a live resource. Additionally, HealthPocket.com has educational articles on Medicare drug plans, Medicare Advantage, and many other subjects. The web site also contains leading research on Medicare insurance plans, their costs, and their benefits. You can also use HealthPocket.com to easily compare Medicare plans available in your area.
Connecting Consumers and Licensed Agents
HealthPocket does not sell the health insurance plans we compare online. However, HealthPocket can connect you with a licensed insurance agent to discuss health plan options available in your area. HealthPocket only partners with agencies that maintain government licensure mandates in each state where they operate and also satisfy insurance company appointment requirements for insurance agents.
The Basic Parts of Medicare
While Medicare is an enormous program covering billions of dollars of healthcare, its activity for enrollees can be broken into four main categories:
- Medicare Part A
- Medicare Part B
- Medicare Part C
- Medicare Part D
Medicare Part A covers hospital expenses such as surgeries and inpatient care. Most people don't pay a monthly premium for Part A. For those few people who do pay, it may cost up to $426 each month. Part A has a deductible of $1,216 for each benefit period. A benefit period begins when you are admitted to a hospital as an inpatient and ends after 60 continuous days where you do not receive hospital care or care from a skilled nursing facility. Accordingly, a person could face multiple Part A deductibles expenses within the same calendar year.
Medicare Part B covers medical services such as doctor visits and other outpatient care. In 2014, the monthly premium for Medicare Part B coverage was $104.90 for most people. Some people making above $85,000 pay a higher monthly premium.
Medicare Part C is the Medicare Advantage program. The Medicare Advantage program uses private health plans to deliver Medicare Part A and Part B benefits and often includes a prescription drug benefit too.
Medicare Part D is the prescription drug benefit. It can be obtained either in a stand-alone prescription drug plan that only provides insurance coverage for medications or it can be obtained as a benefit within a Medicare Advantage plan that would combine the medication coverage with medical and hospitalization benefits.
Medicare Supplement | Medigap
Another form of Medicare insurance is Medicare Supplement (also known as Medigap). There are 10 different varieties of this coverage in most states. Different Medicare Supplement plans cover different out-of-pocket costs associated with original Medicare Parts A and B. These out-of-pocket costs may be deductibles, co-payments on doctor services and other medical services, co-insurance fees, etc.
Medicare Supplements do not provide drug coverage and they cannot be used with a Medicare Advantage plan.
Medicare Claims & Complaints
Have a question about a Medicare claim? Want to file a complaint or an appeal? Looking to get a replacement Medicare card or other assistance? You can call Medicare’s toll-free phone number: 1-800-MEDICARE (1-800-633-4227).
You can also write to Medicare at:Centers for Medicare & Medicaid Services
7500 Security Boulevard
Baltimore, Maryland 21244-1850