Expert Medicare Guidance at Your Fingertips
Find the Perfect Medicare Plan for You
Finding the right Medicare plan can be tricky, but we’re here to help! At Medicares Info, we simplify the process, offering expert guidance and personalized recommendations. With us by your side, you’ll find a Medicare plan that fits your needs perfectly. Let’s make this journey easy and stress-free together!
What is Medicare?
Medicare is a federal health insurance program in the United States primarily designed to provide coverage for individuals aged 65 and older. It also serves younger people with certain disabilities and individuals with End-Stage Renal Disease (ESRD), which is permanent kidney failure requiring dialysis or a transplant. Medicare helps cover the cost of healthcare, including hospital stays, doctor visits, preventive services, and prescription drugs, among other medical services.
Who is Eligible for Medicare?
Age 65 or Older:
Qualify based on work history (you or your spouse's) with at least 10 years of Medicare taxes paid.
Under 65 with Disabilities:
Eligible after receiving Social Security Disability Insurance (SSDI) for 24 months.
End-Stage Renal Disease (ESRD):
Any age with permanent kidney failure requiring dialysis or a transplant.
Amyotrophic Lateral Sclerosis (ALS):
Eligible immediately upon receiving SSDI benefits, no waiting period.
Medicare vs. Medicaid
Medicare
Medicare and Medicaid are both federal health insurance programs, but they cater to different groups and have their own eligibility rules. Sometimes, people can qualify for both programs at once, which is known as being “dual eligible.”
Medicare is primarily for individuals who are 65 or older, or for younger people with certain disabilities or health conditions. It helps cover essential medical services like hospital stays, doctor visits, and preventive care.
Medicaid
Medicaid, however, is aimed at providing health coverage for people with low incomes. It’s a partnership between federal and state governments, and each state has its own criteria for qualifying, which often includes limits on income and assets.
Medicaid covers a variety of services, including doctor visits, nursing care, X-rays, hospital stays, and home health care. Some states may also offer extra benefits like prescription drugs, physical therapy, dental care, and medical transportation.
What Is Not Covered by Medicare?
- Eye exams and glasses
- Dentures
- Most dental care
- Medical care abroad
- Cosmetic surgery
- Massage therapy
Before choosing a Medicare plan, consider:
- Check if the plan covers your needs and compare costs
- Ensure your doctors are in the plan's network
Ready to find the best Medicare plan for you?
Types of Medicare We Cover
Medicare understands that everyone’s healthcare needs are unique, which is why it offers a variety of plans to ensure you get the right coverage for your specific situation. By offering multiple options, Medicare ensures that you can find a plan that fits your health requirements and budget, giving you peace of mind and the confidence that you’re well taken care of. Let’s explore these plans together so you can make the best choice for your health and well-being.
Medicare Part A
Medicare Part A provides essential coverage for hospital stays, skilled nursing facilities, hospice care, and limited home health services. This is your safety net for critical healthcare needs, helping to ease the financial burden of hospital and inpatient care.
Hospital Insurance
Medicare Part A covers hospital inpatient services, including room, meals, and nursing care. It also extends to skilled nursing facilities after a hospital stay, along with hospice care for those nearing the end of life. With Part A, you may qualify for premium-free coverage if you or your spouse have paid Medicare taxes for at least 10 years. Discover how Medicare Part A can provide peace of mind when you need it the most.
Medicare Part B
Medicare Part B covers everyday medical services such as doctor visits, preventive care, outpatient services, and medical equipment. This part of Medicare is essential to maintaining your overall health and wellbeing by providing coverage for routine checkups and necessary treatments.
Medical Insurance
Medicare Part B helps cover a wide range of medical services, from regular doctor visits to preventive screenings like flu shots, and treatments for chronic conditions. It also includes outpatient hospital services and mental health support, ensuring you get the care you need when you need it. Enrolling in Part B means you'll have access to the services that help you stay healthy and address potential health issues early on. Learn more about how Part B works for you.
Connect with a Medicare Expert Today
Ready to make informed decisions about your Medicare options? Our experienced Medicare experts are here to help you navigate your choices and find the best plan for your needs. Schedule a consultation now to get personalized advice and answers to all your Medicare questions
Medicare Advantage Plans and International Travel
Medicare Advantage plans must cover, at a minimum, everything original Medicare covers. As a result, your plan will usually cover international travel in the instances outlined above. Some Medicare Advantage plans also offer additional benefits for emergency care and urgent care services during foreign travel. Keep in mind that this coverage is generally meant for unexpected situations, not for routine health care visits while you are abroad.
Medicare Coverage
Does Medicare cover international travel?
Original Medicare usually does not cover health care you receive while traveling outside of the United States and its territories, except in very specific emergency situations. In these scenarios below, Medicare pays only for its share of Part A and Part B covered services:
Emergency Services in Canada
Medicare will cover emergency services in Canada if you’re traveling between Alaska and another state, and the only nearby hospital is in Canada.
Non-Emergency Inpatient Services
Medicare may cover non-emergency inpatient services in a foreign hospital if it's closer to your home than the nearest U.S. hospital that can treat you.
Coverage on a Cruise Ship
The original Medicare will pay if you receive medical care on a cruise ship while it’s in a U.S. port (or within six hours of arriving at or leaving from a U.S. port).
Prescription Medications
Part D won't cover prescription you buy outside the US.If you have to buy medication from an international pharmacy, you should expect to pay 100% of the cost out of pocket.
Good Satisfaction CLients
Why Medicares Info?
Choosing the right Medicare plan is a crucial decision. Our clients’ testimonials reflect our commitment to providing exceptional guidance and support. Read their stories to see how we’ve helped them navigate Medicare with confidence and find the right coverage for their needs.
the most question we had so far
Compare the total costs, including premiums, deductibles, and out-of-pocket expenses. Consider additional benefits provided by Medicare Advantage plans, such as vision and dental care, and evaluate provider networks and coverage options.
No, Medigap policies cannot be used with Medicare Advantage plans. Medigap is only compatible with Original Medicare. If you enroll in Medicare Advantage, you cannot use Medigap and should consider other coverage options.
Plan F covers all gaps in Original Medicare, including deductibles and coinsurance, but is no longer available to new enrollees as of 2020.
Plan G covers everything Plan F does, except the Part B deductible.
Plan N covers similar gaps as Plan G but requires co-pays for some office visits and emergency room visits.
If you have Medicare and employer insurance, Medicare typically becomes the secondary payer. Your employer insurance is the primary payer. Coordination rules vary, so check with both Medicare and your employer insurance provider.
Follow the plan’s formal appeal process, which involves contacting your plan’s customer service to request a redetermination. You can escalate to an independent review entity if the plan denies your appeal.