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If you live in Tupelo, Mississippi, and you’re new to Medicare, you need to know your options. There’s a variety of Medicare Advantage, prescription drug, and Medigap plans available.
Depending on your medical needs, you can get the most complete coverage through a Medigap (Medicare Supplement) plan. Enrollment into any of the Medicare supplements requires eligibility for Medicare.
You become eligible at age 65. Your initial enrollment period for Medicare begins three months before your birth month and continues for three months after.
This is not to be mixed up with Medicare open enrollment, or annual enrollment period, which is an annual window from October 15 to December 7. During this time, you can reassess your coverage and make changes if needed.
If you’re under 65 but enrolled in Medicare because you’re getting Social Security benefits, you’ll get coverage on your 25th month of disability. Once your Part B benefits take effect, your seven-month window will begin.
There are “gaps” in Original Medicare’s coverage, or items you must pay because Medicare does not. These are typically deductibles and copays, but Medicare leaves other costs behind. This is where a Medigap plan becomes relevant.
Costs covered by Medigap may include:
Part B deductible
Skilled nursing facility care
Medicare Part A deductible
Medical costs acquired while traveling abroad
First three pints of blood for a blood transfusion
Coinsurance and hospital costs after Part A’s deductible
Part B excess charges (the difference between what a doctor can charge and the Medicare-approved amount)
Some plans set a cap on the amount of out-of-pocket expenses involved in Medicare.
Open enrollment for Medigap starts the first day you are 65 and enrolled in Medicare Part B, and ends six months after. This is the best time to buy a Medicare Supplement because you can enroll without having to answer any health questions, and it’s a guaranteed issue.
You can enroll in a Medigap plan at any time as soon as you’re enrolled in Part B. However, you’ll be exposed to health questions following open enrollment.
If you’re under 65 but enrolled in Medicare, call Bobby Brock Insurance to confirm your eligibility.
Medicare Advantage (Part C) plans must cover everything that Original Medicare in Tupelo does. Plus, they offer dental, vision, hearing, and well plans (such as gym memberships). Some Advantage programs include other benefits like prescription drugs, adult daycare, transportation to doctor’s offices, and more.
Sometimes, Medicare Advantage plans have a $0 premium, meaning there’s no additional cost.
There are many Medicare Advantage plans available in Tupelo. For more information, give our agents a call.
Medicare plans in Tupelo don’t cover prescription drugs — unless you have a separate Part D plan with it.
Every prescription drug plan must provide a standard level of coverage that Medicare sets.
Part D policies feature a list of covered drugs, known as a formulary. If the provider makes any changes to the formulary, they must send you a notice.
There are many prescription drug plans available in Tupelo. If you need help finding one that covers all the medications you need, call Bobby Brock Insurance.
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