Medicare what you need to know before enrolling

With over 44 million people in the United States enrolled in medicare, the system has had to adjust for varying needs and diverse health challenges for beneficiaries. No two people are the same and health problems come in all shapes and sizes. Some people enroll in Medicare in the hopes of never having to use it, but planning for someday. Ot

Overall, the best way to find out if you are selecting the correct medicare plan is to consult your doctor when you are a few months away from applying. They can help you navigate your specific health situation and guide you on the correct medicare path for your future health.

Medicare Part A

Medicare is broken up into four main parts that offer specific coverage needs to the patient. This allows for a more custom health experience and simplifies the enrollment process. Medicare Part A typically covers more skilled care needs than other Medicare plans. You may need this plan if you require inpatient hospital or nursing home care. Another instance for Medicare A coverage would be the need for a home health nurse or hospice care. Of course, this is usually short term care not companion care. If you and/or your spouse were paying medicare taxes while working, you likely will not have to pay for this part.

Medicare Part B

Medicare Part B is arguably the most important plan for all patients, because it is the preventative care option. People that enroll in medicare part B are preparing for potential accidents or health crises in the future. Medicare part B will cover ambulance needs, mental health needs, limited prescription drugs, and durable medical equipment (like wheelchairs or crutches). It can even provide coverage for the process needed to get an illness diagnosis. This includes annual check-ups, screenings, and shots and vaccines.

Not covered in part A and B 

Any long-term care or recurring care needs. Anything like dental care, or even eye exams are not considered under part A and B.

What Does Medicare Part C Cover?

If medicare parts A and B do not seem as inclusive as you would like, then medicare part C will most likely be a better fit for you. Medicare part C combines the coverage of A and B but adds additional coverage for essentials like dental cleanings and eye and hearing exams. However, long term care is not covered, which would include respite or hospice care. 

What Does Medicare Part D Cover? 

SImply, this is the portion of medicare coverage that would cover your need for recurring prescriptions. The difference between companies that provide Part D would be if you are choosing a brand name drug versus generic. If you are someone who relies on prescriptions for medical necessity, then medicare part D is a great place to start. This can help significantly lower your costs.