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This week I would like to address some frequently asked questions regarding Medicare, Medicare Supplements and Medicare Advantage.  Here are the top 5.

  1. Does Medicare cover all my medical bills?

No, it does not cover 100% of your medical costs.  Part A requires you to pay a per benefit period deductible to hospitals and copayments for nursing home care. Part B has an annual deductible and coinsurance of 20%.  You will need a Medicare Supplement plan if you want to reduce your out-of-pocket spending.


  1. Can I change my Medicare Supplement plan at any time?

Yes, you can switch your Medicare Supplement plan at any time.  However, remember, if you have health issues or pre-existing conditions you can be denied. 

If you have a Medicare Advantage plan you can only change plans during the annual enrollment period, but no health questions will be asked.


  1. Can I see any doctor I want?

Medicare does not have a network you just need to make sure your doctor or hospital accepts Medicare.  If you have a Medicare Supplement plan you can see any doctor nationwide, this is the upside these plans.  Medicare Advantage on the other hand has a network you must follow; you cannot choose your care team.  This is the downside of these plans.  


  1. What about dental and vision, is this covered under Medicare?

No, original Medicare does not cover dental and vision unless it is considered a medical condition or a medical emergency or traumatic injury.  You can purchase a separate policy to cover these or if you are enrolled in Medicare Advantage these benefits are often included.


  1. Can I purchase just a Medicare Supplement plan?

No, you must have Medicare Part A and Part B before you can purchase a supplement plan or Part D (prescription drug plan).  Medicare Advantage plans provide all three.  Part A, Part B and Part D. 


~Nancy Zimbardi~