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.
Medicare is a federal health insurance program that is managed by the Centers for Medicare & Medicaid Services (CMS) that offers coverage for medical and hospital services (Part A and Part B).
However, beneficiaries have the options to sign up for a Medicare Advantage Prescription Drug plan that includes prescription drug coverage along with supplemental benefits (dental, vision, hearing, and more).
No, which is why many people opt for a Medicare Advantage plan offered by private insurance companies.
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.
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.
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.
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.
If you have any questions, we can help.
Clever Care offers support in your language to help you understand your Medicare coverage options.
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