Medicare and You 2018

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Medicare and You 2018

Adequate medical coverage for the new year requires an investigation into the types of cover available, and which is most suited to your current healthcare needs. Medicare and you 2018 introduces simple assessment of current healthcare packages and comparison tools to help you make the most out of your coverage. Ensure the information you receive to make a health insurance decision is personalized. This includes eligibility for new Medicare subscribers and investing in the right amount of cover.

Things you will find in Medicare and You 2018

Medicare has introduced a new card system released between April 2018 and 2019 to heighten security by removing social security numbers. The initiative makes it easier to use your medical cover while protecting personal information.
The 2 major plans for Medicare cover include:
Option 1 – Standard Medicare and Option 2 – Medicare Advantage (Part C)
The original Medicare or Part A and B provides hospital cover and general medical insurance. You are eligible to add prescription coverage for essential medicines (Part D) or Medigap protection assisting with cash payments.

Medicare Advantage will incorporate plans A, B, and D and entails coverage such as HMOs or PPOs. You automatically receive the benefits provided in Part A (hospital cover), Part B (medical insurance), and Part D (protection for prescription drugs). The Part D program will include most types of prescriptions, but additional insurance may be sought, by joining an independent Part D plan.

Choice of Medical Coverage

Standard/Basic Medicare:
Part A and B cover will not provide set funds for out of pocket expenses annually. To ensure you are protected, supplemental insurance must be purchased.

The Medicare cover delivers hospital insurance. This involves clinical stay and supplies, and doctor consultations in stipulated medical settings. Part A and Part B provide detailed coverage.
To avoid the expense of out of pocket costs, supplement the Original Medicare by purchasing additional cover. A Medigap policy is the best choice.

This policy will not cover prescription drugs. You will have to purchase additional prescription drug cover under Part D, to receive adequate insurance for prescribed medication.
Only Medicare approved doctors can be sought under the Medicare Original Plan.

Medicare Advantage:
All covered recipients receive an annual limit on cash expenditure. Out of pocket expenses are limited, but once this limit is reached, the services covered in your policy are free of charge.
It covers the Parts A, B and D and all services offered through an Original Medicare Plan. Advantage will include dental, auditory and vision cover.

This program eliminates the need for a Medigap plan. The Advantage policy is considered more economical if you require supplementary insurance.
Most of these plans will provide coverage for prescription pills.
When selecting hospital care and doctors, ensure they are Medicare approved. Learn of coverage outside of your network to see practitioners and clinics of your choosing.
Medicare Cover

The Medicare insurance plans are only available for U.S. citizens. To determine the type of plan you need and the quality of cover provided, speak to a Medicare representative.
Remain aware of important enrolment dates. Changes to a Medical insurance and prescription plan can be made from the 15 October to December 7. Your new policy will take effect from January 2018.
Please download a copy of Medicare and You 2018 to save on your computer.

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