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Here's What You Need To Know About Medicare


Are you looking to get enrolled with Medicare, or have it but want to make sure you have the right plan? Then now is the perfect time to sign up! Open enrollment just started and is only available until the end of the year. Let's see if you're eligible and make sure you have a plan that's right for you. Whether you've had Medicare for a while or are signing up for the first time, it's important to revisit every year to ensure you are set for 2020 and beyond!

Open enrollment usually starts in October, senior citizens that want to make different changes to their Medicare coverage plan should start looking into what they want to change. It is smart to take a look at your past health records and see what options that you can choose from. It is better to start now so that you have an idea on what you are looking to change or get.

Take a look at what you should know before the open enrollment starts this year.

What is Medicare and Who is Eligible?

There are four different Medicare plans you can choose between, that each cover something different. If you are signing up for the first time it is important that you know your medical needs and found out the four different plans. Once you know what you are looking for, you will not be overwhelmed with the options to choose from. Even if you are already have Medicare coverage it is best to find out what changes you can make, this way you can get the coverage that fits your medical needs best.

With Medicare Part A you will get hospital care which includes services for nursing, meals, medications that you will need and rooms that will have some privacy. This is a good plan if you are someone that finds yourself in the hospital a lot or you are worried that a certain medical condition will lead to you needing these services. If you are already 65 years old you should already be covered for this part of Medicare. According to eHealth Medicare almost always people 65 and up are the ones that use Medicare the most.

With Medicare Part B is made more for people that are in need of more medical supplies and treatment services that will help whatever condition that you have. For example Part B will cover things such as ambulance rides, equipment recommended by doctors, in-home services and treatments that will prevent your health problem from getting worse. If you are eligible for Part A then you will be eligible for Part B, the only thing is that you will have to pay a monthly fee to be able to get the benefits. If you are not eligible for Part A, there is still a chance that you can be approved for Part B.

Medicare Advantages plans which is Medicare Part C, will let you pay your medical expenses monthly instead of paying the upfront cost of each medical treatment. This is perfect for someone that wants to have a consistent payment instead of paying large amounts every time something comes up. This part is mostly like a regular health insurance plan and will cover everything from Part A and B, plus a little more. You will also get dental and vision plans, making this one of the premium plans to go with.

With Medicare Part D, you will get the benefit of getting your prescription drugs covered. This is a perfect plan to do if you have Part A and B because those plans don't cover prescription drugs at all. There are two different routes you can go by if you want Part D, first is that you enroll with Medicare Advantage plan or you can choose a prescription plan that works in the area that you are living in.

Now that you know what each part offers for Medicare, you can now make the decision to enroll or to make a change to your existing plan. There are many different options to choose from that will work with your medical needs. It doesn't take much to enroll and be sure that you look out because the enrollment date is coming soon. 

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Kelsey Harris

Associate Writer

Kelsey joined the Wavez staff in June 2019 and has been impressing readers ever since. She graduated from USC with a bachelor's degree in English and specializes in our Health and Finance categories.