If you did not sign up for a Part D plan when you got your Part A and Part B coverage and you do not have another source of drug coverage that is at least as good as Part D coverage, be aware that you may be charged a late enrollment penalty. If you are covered under traditional Medicare and you want drug coverage, you can enroll in a stand-alone drug plan during the Medicare Open Enrollment period. Medicare Part D is the Medicare prescription drug benefit which is offered by private stand-alone prescription drug plans, sometimes called PDPs, and Medicare Advantage plans that cover drugs. If you have Part A and Part B already, and are covered under the traditional Medicare program, you do not need to sign up for a Medicare Advantage plan during Open Enrollment unless you want to get your Medicare benefits through a private plan. Most Medicare Advantage plans also cover prescription drugs and most also cover other services, such as vision, dental, and hearing benefits. If you enroll in a Medicare Advantage plan, you still have Medicare, but you get all of your Medicare-covered benefits through a private plan. Not affiliated with or endorsed by any government agency.Įvery year, Medicare evaluates plans based on a 5-star rating system.Įnrollment in a plan may be limited to certain times of the year unless you qualify for a special period or you are in your Medicare Initial Election Period.Medicare Part C plans, also known as Medicare Advantage plans, are private health insurance plans, mainly HMOs and PPOs, for people enrolled in Medicare.

You must continue to pay your Medicare Part B Premium. $0 premium plans are not available in all areas. Benefits may vary by carrier and location. Not all plans offer all of these benefits. Please contact or 1-800- MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Currently we represent organizations which offer products in your area. We do not offer every plan available in your area. Enrollment in plans depends on contract renewal.

The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Inpatient mental health care is covered under Part A and is limited to 190 days over your lifetime. Outpatient and partial hospitalization services are typically covered. Preventive services are fully covered if you get the services from a provider that accepts Medicare. Vaccines to prevent illnesses like the flu or screening tests to detect illness at an early stage when treatment is likely to work best is also covered. Part B pays for occupational therapy if your doctor or other health care provider certifies you need it. Part B pays for physical therapy if your doctor or another health care provider certifies you need it. This includes diabetes insulin pumps that individuals can use at home. Appointments with physicians are typically covered. This includes hospital beds, pressure mattresses, prostheses, orthotics and other health care devices and products.

What are medicare parts abcd