Medicare in Tennessee
Original Medicare is a federal government platform that is aimed to help and support United States residents and legal permanent occupants of at least five years with health-care costs and billings.
Who are eligible?
- Citizens of the age of 65 years old or older.
- Citizens may be eligible for Medicare when younger than 65 years of age and permanently disabled and have been receiving disability benefits for at least 24 months.
- Citizens may be eligible for Medicare if diagnosed with Lou Gehrig’s disease (ALS) or permanent kidney failure which needs dialysis treatment or kidney transplant (end -stage renal disease).
Original Medicare consists of two parts:
Medicare Part A:
Medicare Part A offers basic benefits for inpatient hospital care and hospice care, and also limited benefits for post-hospital nursing facility services and home health care.
Medicare Part B:
Medicare Part B offers basic benefits for doctors and laboratory services, and also some outpatient medical services which includes medical equipment and supplies, physical therapy and some home health-care services.
(Medicare Part C & Part D)
Medicare Part C
Medicare Part C is a Medicare Supplemental Insurance and also refers to Medicare Advantage plan. Medicare Supplemental Insurance plan is another way you can receiving Medicare benefits. Under this platform, private insurance companies that are contracted with Medicare provides the benefits of Original Medicare (Part A and Part B) and more. For example, Medicare Supplemental Insurance plans must limit your annual expenses for most covered services. When this limit is met, then the Medicare Supplemental Insurance plan start paying 100% of most covered services. Also, most Medicare Supplemental Insurance plans include additional benefits, such as:
- Routine dental and vision care.
- Wellness platforms
- Prescription drug benefits.
- Hospice care is covered under Medicare Part A instead of through the Medicare Supplemental Insurance plan directly.
Types of Medicare Supplemental Insurance plans.
- There are various types of Medicare Supplemental Insurance plans, some are specialized in offering benefits for the special needs of:
- People who are having a specific health issue.
- People who live in a nursing care facility.
- People who are receiving benefits from both Medicare and Medicaid.
Medicare Part D
Some Medicare Supplemental Insurance plans offers prescription drug benefits when others do not. Medicare Supplemental Insurance plans that include prescription drug benefits is also Medicare Advantage Prescription Drug (MA-PD) plans. It gives the convenience of having Medicare medical and prescription drug benefits through one plan. Residents may enroll in a Medicare Supplemental Insurance plan in Tennessee and be living within the Medicare Supplemental Insurance plan’s service area. Continuous to payment must be made for Medicare Part B premium and also pay an additional premium directly to Medicare Supplemental Insurance plan, alongside any deductible, copayment, or coinsurance amount to the benefit plans chosen.
Medicare Prescription Drug Benefits.
Original Medicare doesn’t cover prescription drugs in many situations. Medicare Prescription Drug Plans are provides by private insurers contracted with Medicare. These plans may cover most of the prescription drugs that are frequently used by Medicare beneficiaries. However, there can be variances in benefits between plans. Medicare Prescription Drug Plans publishes a list of prescription drugs they cover and it is referred to as a formulary. The formulary is unstable, it changes at any time. Beneficiaries will be noticed from any plan when necessary. To be eligible for Medicare prescription drug benefits, you must have Medicare Part A and/or Part B and reside in the Medicare Prescription Drug Plan’s service area.
Learn more about Tennessee Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/tennessee-medicare-supplement-plans. Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee. To talk to an expert in Tennessee Medicare coverage toll free 877-202-9248 today!