Medicare is a benefit millions of people take advantage of, but it can be confusing to figure out which one is best for you and your loved ones. Medicare continues to cover hospital and doctor’s visits for older Americans and includes preventative care and prescription drugs, but many people do not know what is covered by their Medicare or how much they are paying in. Expenses such as out-of-pocket costs, premium amounts, prescription drugs coverage or if they qualify for free services are benefits that Medicare enrollees are unsure about.
There are several types of Medicare plans that are available to participants in Michigan: Original Medicare Part A and Medicare Part B as well as the Medicare Advantage Plan. When a Medicare enrollee chooses Original Medicare Part A and Part B, they also have the option of choosing a supplement plan to cover the costs not covered.
Medicare beneficiaries in Michigan may enroll one of the ten plans that enhance the coverage that they receive with Medicare Part A and Part B as it stands alone.
Coverage is as follows:
- Original Medicare, Part A and Part B are offered and administered by the federal government. They are available to eligible beneficiaries in every state in the country.
- Medicare Part A provides inpatient hospital, nursing home care, skilled nursing facility, home health, and hospice care
- Medicare Part B covers physician visits, medical services, and durable medical equipment.
- Medicare Advantage Plans cover all the services except for hospice care but may offer extra coverage such as vision, hearing, dental, wellness programs, and potentially prescription drug coverage.
- Medicare supplement insurance, otherwise known as Medigap, covers a percentage of deductibles, copayments, coinsurance, and in certain cases foreign travel emergency health care.
In order to qualify for Medicare you need to be a United States citizen or legal, permanent resident of at least five continuous years to qualify for Medicare or meet additional requirements set forth by the federal government. You can also qualify for Medicare if you have end-stage renal disease or you have amyotrophic lateral sclerosis – ALS, or Lou Gehrig’s disease where your disability benefits begin regardless of age from the first month you enroll.
Selecting your Medical coverage should be a simple and easy process, but unfortunately in most cases, it’s not. Everyone may not have the same needs or wants when it comes to picking the right Medicare supplement insurance plan. If you are uncertain which Michigan Medicare supplemental insurance plan to choose from contact a Michigan Medicare supplemental insurance broker as they are nationally-licensed agents ready to help you shop for Medicare supplement plans at the best possible rates. This will make a very complex process as easy as possible. Medicare supplemental insurance brokers will also assist you in completing an application to enroll in Medicare supplement coverage.
Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans. Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan. To talk to an expert in Michigan Medicare coverage toll free 888.404.5049 today!