Medicare Insurance
More and more people are looking for variety in their health plan options. If you are among those people, Medicare Advantage (MA), more commonly known as Part C, may be the plan for you. Part C is an additional insurance option offered through private health insurance providers like ABear Insurance. In this insurance plan, a beneficiary may bundle several types of coverage, which may include hospital and outpatient coverage under Parts A and B of Medicare, as well as Part D, which pertains to prescription drug coverage. The advantages of having a Part C plan include an annual limit on out-of-pocket costs as well as coverage of more services like vision, hearing, and dental services. If that seems like a lot to unpack, do not worry. We at ABear Insurance are here to help you better understand the intricacies of Medicare Part C so that you get the insurance package suited to your specific needs. Our emphasis on empowering our clients through education has helped many get the right plan that meets their necessities in life.
All Medicare Part C plans are required to offer all coverage provided by Original Medicare (Parts A and B). Thus, it should cover the following:
As the name suggests, inpatient care encompasses medical services given to you in a hospital or any medical facility where you are admitted. Inpatient care also includes the care you receive from the health care providers as well as rehabilitation and mental health services while you are in the facility. This type of care is integral for conditions requiring close monitoring and extensive treatment.
Home health care generally depends on the patient’s particular situation and is tailored to their unique needs. It can include part-time nursing care, an in-home visit with a doctor, as well as health evaluations of lab work and screenings done over the phone. This mode of care is especially beneficial for patients requiring continuous, but not hospital-level, care.
What if you need to be rushed to the hospital, and transporting you to a vehicle other than an ambulance can endanger your health? No need to worry because your Medicare Part C plan will cover the ambulance transportation for you. Aside from the cost of emergency ambulance transportation, Part C may also cover the medical care provided to you during transport, ensuring swift and safe access to necessary hospital services.
If you need medical equipment because of your condition and you will use it at home repeatedly, then it may be qualified as durable medical equipment (DME) covered under Medicare Part C. DMEs are expected to last at least 3 years and include crutches, walkers, commode chairs, and wheelchairs, among others. To be covered by your Part C plan, the DME must be prescribed by your Medicare-enrolled doctor or health provider.
Broadly speaking, therapy is an intervention to help you retain your current capabilities or slow down deterioration. Depending on your specific situation, a Medicare Part C plan can cover therapy, which may include exercises to maintain or regain your motor skills, treatment of sensory, cognitive, and behavioral conditions, as well as treatment of communication disorders.
On top of the basic services covered by Original Medicare, Medicare Part C health insurance also offers additional benefits, which may include:
Maintain your pearly whites with the dental coverage that the Medicare Part C plan offers. This plan covers preventive dental services that include oral exams, prophylaxis or cleaning, fluoride treatments, and dental X-rays. You can also avail of periodontics, extractions, and restorative services, although with varying copay amounts.
You do not need to miss out on conversations anymore, as your Medicare Part C plan covers the cost of hearing aids and their maintenance. Should a hearing test be necessary to check whether you need hearing aids, this service is also covered by your Medicare Advantage plan.
Bid your compromised eyesight goodbye with the vision coverage from your Medicare Part C plan. This includes cataract surgeries, glaucoma screenings, and diabetic retinopathy treatments, to name a few. If your Part C also includes prescription drug coverage, your medication after the surgery is also covered, facilitating your swift recovery.
Be the fittest you can be with gym memberships included in your Medicare Advantage plan. Access a variety of gym locations and consult with a program advisor regarding your fitness goals and progress. You can also benefit from having online health resources at your fingertips, enabling you to make smarter health choices.
An individual who is eligible for Medicare may avail of this additional insurance option, but several other conditions still need to apply. One, you should be a US citizen of at least 65 years of age. If you are still on the road to citizenship, you should be a permanent resident for at least five consecutive years to qualify. Individuals younger than 65 may also qualify if they have specific illnesses or disabilities recognized by Social Security. These include those with Amyotrophic Lateral Sclerosis (ALS) who have received Social Security Disability benefits for it and those with End Stage Renal Disease (ESRD) who have started dialysis. Another requirement for Medicare Part C insurance is that you should already be enrolled in both Medicare Part A and Medicare Part B. Lastly, you should live in a county within the plan’s service area. If you check all these boxes, we at ABear Insurance can help you enroll in Medicare Part C.
We at ABear Insurance are not your regular independent insurance agency. As a family-run business, we know how crucial it is to get the right plan for you and your loved ones. We understand that choosing the right Part C plan for you can be tiring and confusing, which is why our insurance agents take the time to know your specific needs to provide personalized expert advice. We are here to help you zero in on your health insurance needs and pick the insurance solution tailored to your unique circumstances.
We strive to make insurance as simple as possible and believe that clients who are educated about the intricacies of insurance should be able to make smarter and more informed decisions. You can count on us to be your dependable partner in navigating the complexities of life and health insurance. We are not tied down to any specific carrier because we are committed to working for you. Are you ready to take charge of your Medicare Part C coverage? Gift yourself security and peace of mind. Schedule a consultation with one of our Medicare insurance experts today!
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact
Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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