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Medicare provides a range of benefits to its participants. The benefits are divided into several different parts, including Part A, Part B, Part C, and Part D. This is what each part of Medicare covers.
Part A of Medicare provides Medicare beneficiaries with hospital insurance. It pays for care in facilities such as hospitals, skilled nursing facilities, and hospices. In order to acquire Part A coverage, you may have to pay a monthly premium. Fortunately for many, this premium can be avoided if you’ve paid sufficiently into the Medicare tax system.
With Part B coverage, Medicare beneficiaries receive medical insurance. This portion of their coverage takes care of costs associated with medically necessary services and preventive health services. Part B coverage cannot be acquired premium-free. Therefore, you must pay a monthly premium to maintain coverage.
Medicare Part C is also known as Medicare Advantage. These plans are privately offered insurance policies that are sold by Medicare-approved insurance carriers. Part C plans can offer extra coverage, such as dental or hearing coverage, but they must also at least offer the same benefits as Original Medicare (Part A and Part B).
Through Part D of Medicare, you can get access to prescription drug coverage. This coverage lowers the cost of essential medications, allowing you to maintain compliance with what the doctor prescribes. The types of drugs covered by your plan will be listed in the formulary, so compare plans to find one that covers all of the drugs you prefer. Like Medicare Advantage plans, Part D plans are sold by private insurance companies. To find them, you should seek help from one of our helpful Medicare agents.
The Medicare program is complex, and it can be hard to determine how you can get the most bang for your buck when it comes to benefits. To stay on top of things and get the information you need to make an informed choice, speak to an insurance professional. Malhotra & Assoc. Insurance is ready to chat with you now, and if you want to compare plans, we can also give you a free quote.
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