Medigap) Plans F, G, and N are among the most common, but there are many more plans you could theoretically choose from. Not to mention that for many people, this is their first experience with health insurance that isn’t tied to their employer. These are just some of the factors that lead to Medicare confusion. In this blog post, we’re going to talk about more sources of misunderstanding and provide some remedies for your headaches.
Medicareis a federal health insurance program that is governed by complex rules and regulations. The program is divided into several parts, each with its own set of rules and regulations that can be difficult to parse through. Medicare Part A covers hospital stays, skilled nursing facility care, hospice care, and home health care, but only under certain circumstances and with specific limitations. Medicare Part B covers medically necessary services and preventative care but may require prior authorization and may have different coverage and cost-sharing rules depending on the service. To simplify, think of Part A as hospital insurance and Part B as medical insurance.
HMO and PPO networks. Failing to understand and follow these rules can result in denied claims, unexpected out-of-pocket costs, and missed opportunities for coverage.
different enrollment periods. For example, Medicare beneficiaries who want to switch from Original Medicare to a Medicare Advantage plan or vice versa can only do so during specific enrollment periods. Missing these enrollment windows can result in being stuck with a plan that no longer meets their needs. Furthermore, changing from a Medicare Advantage plan to a Medicare Supplement plan may require going through
medical underwriting, which can be a time-consuming and stressful process, especially for those with pre-existing conditions.
Fair Square’s blogcan help you do your own research and learn about the different options available to you.
licensed Medicare advisor at Fair Squarecan help you make sense of the different plans and options available. Call 888-376-2028 today for a free consultation.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.