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We are committed to delivering care with a focus on preventive treatments through integrating Eastern and Western Medicine. Our plans combine the centuries-old healing therapies of Eastern medicine with an extensive network of doctors and hospitals, specializing in the innovative practices of Western medicine.

What is Eastern Medicine?

Medicare 101

What is Eastern Medicine?

Eastern medicine is a 2,000-year-old medical system, derived from the theory that “Qi” (the life force) flows throughout the body. When the Qi is compromised, the body is susceptible to disease. Practitioners of Eastern medicine believe that disease is a deviation from the natural environment and can be treated with specific interventions to help return full balance. Natural treatment methods such as acupuncture, herbal remedies, therapeutic massage, and cupping are used. Additionally, energy-balancing exercise supports the well-being of the mind and body. The combination of these techniques enhances the management of chronic conditions and its symptoms and improves disease prevention.

We encourage those interested in trying herbal supplements or any wellness therapies or acupuncture to talk to their doctor before beginning any regimen or treatment. Seek services from licensed acupuncturists and trained herbalists to ensure quality and safety.

Download the Clever Guide to Eastern Medicine to learn more about how these alternative therapies can improve your overall wellness and help alleviate symptoms of many existing conditions.

Medicare 101

At Clever Care, we believe that easy access to care begins with understanding your coverage options. Whether you’re new to Medicare or exploring your plan choices, it’s important to understand what Medicare is, how it works, and the options available to you as a Medicare recipient.

What is Medicare?

Medicare is the federal health insurance program for:

People who are 65 or older
- When you are close to retirement age, and eligible for Social Security or Railroad Retirement Board benefits, you may sign up for Medicare Parts A and B.
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
- If you want Medicare, you’ll need to sign up for Medicare Parts A and Part B.
People under 65 with disabilities.
- You will automatically get Medicare Part A and Part B once you get disability benefits from Social Security or certain disability benefits from the Railroad Retirement Board for 24 months.
People with ALS (amyotrophic lateral sclerosis, also called Lou Gehrig’s disease), you’ll get Part A and Part B automatically the month your Social Security disability benefits begin.

There are two ways to get Medicare coverage – you may choose either Original Medicare or a Medicare Advantage plan.

1. Original Medicare – is provided by the federal government

Part A (Hospital insurance)
- Covers many services typically provided in a hospital, skilled nursing facility, or other facility.
Part B (Medical insurance)
- Covers many services typically provided at a doctor’s office, outpatient services, and durable medical equipment.

Important to know:

Your Part B premium will be automatically deducted if you get benefits from one of these:
- Social Security
- Railroad Retirement Board
- Office of Personnel Management
If you don’t get these benefit payments, you’ll get a bill.
Original Medicare covers only 80% of your medical and hospital expenses
- You are responsible for paying the remaining 20% of the costs
Does not include prescription drug coverage
Does not cover all your hospital or medical needs

2. Medicare Advantage – is offered by private insurance companies

Part C
- May be available for an additional monthly premium
- Includes all your Original Medicare benefits (Part A and Part B)
- Usually includes Part D (prescription drug coverage) with no added premium
- Extra benefits (e.g. hearing, dental, vision, fitness, and more)
- Additional days in the hospital
- Set limits on your total out-of-pocket costs
- Convenience of one ID card and one insurer for your claims

Many people choose a Medicare Advantage plan because it provides them with more value and more coverage than Original Medicare all in one plan.

*Medicare Part D – available through private insurance companies

Prescription drug coverage, known as Part D, is not included in Original Medicare. You are required to enroll in a Part D plan or a Medicare Advantage and Prescription Drug Plan (MA-PD) to avoid paying a penalty.

Medicare Coverage Options and Costs to You

ORIGINAL MEDICARE:

YOU PAY: Part B premium

You will need to purchase a stand-alone Prescription Drug (Part D) plan and perhaps a Medicare Supplement plan to cover other out-of-pocket costs and additional services

MEDICARE ADVANTAGE – MA (PART C)

YOU PAY: Part B premium and perhaps additional monthly premium

You will need to purchase a stand-alone Prescription Drug (Part D) plan and perhaps a Medicare Supplement plan to cover other out-of-pocket costs and additional services

MEDICARE ADVANTAGE and PRESCRIPTION DRUG PLAN – MA-PD (PART C and PART D)

YOU PAY: Part B premium and perhaps additional monthly premium

Includes Prescription Drugs plus additional benefits so you do not have to purchase a Prescription Drug (Part D) plan or a Medicare Supplement plan.

Medicare Questions & Answers

Will Original Medicare cover all my expenses?

No, which is why many people opt for a Medicare Advantage plan offered by private insurance companies.

Are prescription drugs covered under Original Medicare?

Yes and No. Part A covers certain medications during hospitalization. Routine prescriptions are not covered. You will need to purchase A Part D plan to cover brand-name and generic prescriptions. Prescription Drug coverage is usually included in a Medicare Advantage plan at no additional cost.

Can I keep my doctor and hospital after I enroll in Medicare?

With Original Medicare you can use any Medicare-approved doctor or hospital. With a Medicare Advantage plan, you are required to use any doctor or hospital in the plan’s network.

When will my Medicare coverage become effective?

If you enroll during the Initial Enrollment Period, your coverage begins as early as the first day of your birthday month. If you are switching plans during AEP, your coverage begins on January 1.

What if I don’t enroll at 65 because I have an employer sponsored health plan?

If you are still working and have coverage through an employer, you may not have to pay a late-enrollment penalty. Talk to the employer benefits administrator.

Medicare doesn’t automatically know if you have additional coverage. Tell your doctor and other providers so they can send bills to the correct payer.

For additional resources, download a copy of the Medicare & You National Handbook.