Medicare plans in Southaven, Mississippi
If you make many trips to the doctor or emergency room, it might make sense to supplement Medicare plans in Southaven with Medigap, Medicare Advantage, or Part D prescription drug plans.
Depending on your needs, the most comprehensive coverage offered is through a Medigap (Medicare Supplement) plan.
Enrollment into any of the following plans requires eligibility for Medicare.
You become eligible at age 65. Your initial enrollment period for Medicare begins three months before your birth month and lasts three months after.
This is not to be confused with Medicare open enrollment, or annual enrollment period, which is a window from October 15 to December 7 every year. During this time you can reevaluate your coverage and make changes if you need.
If you are under the age of 65 but are enrolled in Medicare because you are receiving Social Security benefits, you’ll get Medicare on your 25th month of disability. Once your Part B benefits become active, that is when your seven-month window will begin.
Medigap plans in Southaven
There are “gaps” in Original Medicare’s coverage, or things that you must pay because Medicare does not. These are usually deductibles and copays, but there are other leftover costs Medicare leaves behind. This is where a Medigap plan comes into play.
Costs covered by may Medigap include:
- Coinsurance and hospital costs after Part A’s deductible
- First three pints of blood for a blood transfusion
- Hospice care
- Skilled nursing facility care
- Medicare Part A deductible
- Part B deductible
- Part B excess charges (the difference between the amount a doctor can charge and Medicare-approved amount)
- Medical costs incurred while traveling outside of US
And some plans put a cap on the amount of out-of-pocket costs associated with Medicare.
Open enrollment for a Medicare supplement begins the first day you are 65 and enrolled in Medicare Part B and lasts six months after.
This is the best time to get a Medigap plan because you are allowed to enroll without answering any health questions and it is a guaranteed issue.
You are allowed to enroll in a Medicare Supplement at any time once you are enrolled in Part B, but you will be subject to health questions after open enrollment is over.
If you are under the age of 65 but are enrolled in Medicare, be sure to give us a call to check your eligibility.
Medicare Advantage plans in Southaven
Medicare Advantage plans must cover all of the services that Medicare plans in Southaven do. Additionally, they offer vision, hearing, dental, and wellness plans (like gym memberships). Some plans have other extra benefits like transportation to doctor visits, prescription drugs, adult daycare, and more.
Sometimes, Medicare Advantage plans are available at no additional cost to you.
There are 17 Medicare Advantage plans available in Southaven.
Medicare Part D plans in Southaven
Medicare plans in Southaven do not cover prescription drugs unless you have a Part D plan with it.
Each Part D plan must give a standard level of coverage set by Medicare. Plans include a list of drugs they cover, called a formulary, and if any changes are made to it, the provider is required to send you a notice.
There are 25 prescription drug plans available in Southaven.
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