Medicare is a federal insurance program that covers hospitalization expenses as well as doctor and medical expenses. To be eligible for Medicare, one must be an American citizen 65 years or older, or younger with a qualifying disability.
Medicare.gov: the official U.S. government site for Medicare
Noridian Healthcare Solutions, LLC
Part A claims processing covers services provided through hospitals and post-hospital care. Noridian administers Part A for ‘)” onmouseout=”UnTip()”>Jurisdiction F and ‘)” onmouseout=”UnTip()”>Jurisdiction E.
2015 Medicare Part D Prescription Drug Plans: Overview by State
Choose your State from the list below for an overview of the Medicare Part D Prescription Drug Plans available in 2015. Please note – Medicare Part D Plans vary in cost and coverage by State – this means that if you move to a new State during the enrollment year, you may pay a different premium and/or possibly may not have access to the same selection of Medicare Part D plans. Select your state below or choose from one of these links to other tools available to review 2015 Medicare Part D Plans:
Get Medicare Advantage Plan Quotes
Initial Coverage Election Period: You can enroll in Medicare Advantage or Medicare Advantage with prescription drug coverage when you first become eligible for Medicare. Your Initial Coverage Election Period (ICEP), is a seven-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you are under age 65 and you receive Social Security disability, you qualify for Medicare in the 25th month after you begin receiving your Social Security benefits. If you fall into this category, you may enroll in a Medicare Advantage plan 3 months before your month of eligibility, during the month of eligibility, and 3 months after the month of eligibility. For example, if your Medicare Part A and Part B coverage begins in May, your Medicare Advantage IEP is February through August. See Medicare Advantage Plans
Medicare Part D Prescription Drug Plans Coverage and Comparison
Medicare Part D Prescription Drug Plans, also known as “PDPs,” are stand-alone prescription drug plans that are sold by private insurance companies with a Medicare contract. Medicare beneficiaries can sign up for a PDP if they would like to add Part D drug coverage to their Original Medicare coverage. Certain Medicare Advantage plans, such as Cost Plans, Private Fee-for-Service (PFFS) plans, and Medical Saving Account (MSA) plans might allow you to add a stand-alone PDP to this coverage, although these situations may vary. Anyone enrolled in Medicare Part A and/or Medicare Part B is eligible to enroll in a Medicare Part D plan.
www.Q1Medicare.com Your Source for Medicare Part D Plan Information
Looking for a place to get started? Here is an overview of the Medicare Part D prescription drug and Medicare Advantage programs: Medicare Part D prescription drug plans (or PDPs) provide insurance coverage for your prescription drugs. Medicare Advantage plans (MAs or MA-PDs) provide your Medicare Part A coverage (In-patient and Hospitalization) and your Medicare Part B coverage (Doctors visits and Out-Patient care) – and maybe even Medicare prescription drug coverage. Medicare Part D plans and Medicare Advantage plans are both voluntary programs and you are not required to join a plan. But you may be subject to a late-enrollment penalty if you decide to join a prescription drug plan sometime after your initial enrollment period has ended. Medicare Part D plans and Medicare Advantage plans are regulated by the Centers for Medicare and Medicaid Services (CMS or Medicare) and implemented by private insurance companies (such as Aetna, Humana, and United HealthCare). If you decide to enroll in a Medicare Part D plan or Medicare Advantage plan, you will find that, like any insurance, you pay a monthly premium. The monthly premiums for a Medicare Part D PDP can range from under $20 to over $130 dollars. The monthly premiums for a Medicare Advantage plan with (MA-PD) or without (MA) prescription coverage can range from $0 (no kidding) to well over $100. Medicare Part D and Medicare Advantage plans may have an initial deductible, co-payments or co-insurance, and some Donut Hole (Doughnut Hole) or Gap coverage (you can find more on these topics in our Glossary). When you enroll in a Medicare Part D prescription drug plan or a Medicare Advantage plan that offers prescription coverage, you should find that your prescription medication costs are reduced. The amount of savings depends on the Medicare plan you select. If you wish to learn more, you can click on this link to view all of the Medicare Part D plans in your State
Medicare Part D Drug Coverage
The Medicare program, which is a federal program that helps senior citizens and certain other individuals pay for health care, is divided into four parts. Part A covers hospital and inpatient services and Part B covers doctor visits and other outpatient services. Together, Parts A and B are referred to as original Medicare. Part C, also known as Medicare Advantage, makes Medicare-covered services available through private health plans, such as HMOs, PPOs, and private fee for service plans (PFFSs). Part D prescription drug coverage is offered by private companies through stand-alone plans (for members who have original Medicare) and through HMOs, PPOs, and PFFSs (for beneficiaries who have Medicare Advantage). Anyone who has original Medicare or Medicare Advantage is eligible to enroll in Part D. Enrollment in Part D is voluntary.
Medicare Part A: Hospital Care and Services
The Social Security Administration handles Medicare enrollment. You are automatically enrolled in Medicare Part A and Part B if you’re 65 and receive Social Security checks. Typically, you’ll get your Medicare card three months before your 65th birthday. If you have private health insurance, it likely makes sense to sign up for Medicare Part A because it will provide you with additional coverage at no extra cost. However, you may wish to delay signing up for Part B coverage — for which there is a monthly premium — if your private insurance provides adequate coverage for outpatient medical services. To avoid paying a higher premium, you need to enroll during a Special Enrollment Period should you ultimately lose your private coverage.
What Is Medicare Part C? (Medicare Advantage)
Medicare Part B (medical insurance) covers preventive services. It includes doctors or other necessary medical services to treat or diagnose medical conditions and illnesses. Having a Medicare Part B plan alone is not sufficient to comply with the requirements of Obamacare. As such, it is typically paired with a Medicare Part A plan. In order to sign up for a Medicare Part B plan, you must either contact or visit an SSA office. People who sign up for a Medicare Part A and Part B plan usually obtain prescription drug coverage through a Medicare Part D plan.
2015 Medicare Part D Plans
Medicare Part D plans will change again in 2015. The question for Medicare Part D recipients is – Do the changes to my plan affect me? Part D 2015 was created with expert assistance from the Senior Advisors Group. Our Part D plan website will assist in Part D selection and help seniors navigate the Medicare Part D Drug plans for 2015. After consulting Medicare Insurance specialist with over 25 years of Medicare and Insurance expertise from the Senior Advisors Group, we have assembled several methods for individual to search and get assistance on Medicare Part D and Medicare Supplemental Insurance plans. Our goal is to help seniors find the right Part D plan, and the most cost effective supplemental insurance or Medicare advantage plans.