What does Medicare Part B cover?
Medicare Part B helps cover medically necessary services and preventive care. This includes doctor visits, outpatient care, lab work, X-rays, mental health services, durable medical equipment, and some home health and rehab services like physical therapy. Part B also covers preventive services to help catch health issues early. Screenings like mammograms, flu shots, and yearly […]
What does Medicare Part A cover? Is there a premium I have to pay?
Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice services, and some home health care. This includes your semi-private room, meals, nursing care, medications during your stay, and necessary hospital supplies. Most people don’t pay a monthly premium for Part A because they or their spouse worked and paid Medicare taxes for […]
What is a Medicare HMO plan?
Several types of Medicare Advantage plans are available, and a Health Maintenance Organization (HMO) is one of them. If you join an HMO Plan, you will need to go to your Primary Care Physician (PCP) within the HMO’s network of doctors to get most of the routine care you will need. If you do need […]
Can a Medicare insurance agent assist with Medicare Savings Programs applications?
Yes, a licensed Medicare insurance agent can assist with Medicare Savings Programs (MSP) applications. MSPs are state-run programs that help cover Medicare premiums, deductibles, and copayments for eligible low-income beneficiaries. Eligibility and benefits vary by state, but generally, MSPs can significantly reduce out-of-pocket costs for those who qualify. A knowledgeable Medicare agent can help determine […]
Medicare Innovation Projects
Medicare develops innovative models, demonstrations, and pilot projects to test and measure the effect of potential changes in Medicare. These projects help to find new ways to improve health care quality and reduce costs, and sometimes offer you extra benefits and services. Usually, they operate only for a limited time and for a specific group […]
Marketing Rules Medicare Plans must follow
Medicare Plans must follow marketing rules Medicare plans and agents must follow certain rules when marketing their plans and getting your enrollment information. They can’t ask you for credit card or banking information over the phone or via email, unless you’re already a member of that plan. Plans don’t need your personal information to provide […]
Medicare and Program of All-Inclusive Care for the Elderly (PACE)
PACE is a comprehensive Medicare and Medicaid program that provides all-inclusive care for elderly individuals who need nursing home level care but can still live safely in their community. To qualify for PACE, you must be 55 or older, live in a PACE service area, be certified by your state as needing nursing home care, […]
Your Medicare coverage choices
You have two main Medicare coverage choices when you first enroll and during certain enrollment periods. Original Medicare includes Part A for hospital insurance and Part B for medical insurance. With Original Medicare, you can see any doctor or hospital that accepts Medicare anywhere in the United States. You’ll typically pay 20% coinsurance after meeting […]
Medicare Long-term care hospital services
Long-term care hospitals provide specialized treatment for patients with multiple serious medical conditions who need extended hospitalization of 25 days or more. These facilities focus on patients who may improve with intensive care and eventually return home. Services typically include respiratory therapy, head trauma treatment, comprehensive rehabilitation, and pain management. Under Original Medicare in 2026, […]
Medicare and Insulin
Your costs in Original Medicare: The one-month supply of each Part D-covered insulin is capped at $35, and you don’t have to pay a deductible for insulin. This applies to everyone who takes insulin, even if you get Extra Help. If you get a 60- or 90-day supply of insulin, your costs can be at […]