Questions and Answers about Medicare Plans

Medicare doesn’t cover everything. If you need certain services that aren’t covered under Medicare Part A or Part B, you’ll have to pay for them yourself. Medicare does not cover items such as dental care, eye exam, hearing exams, and outpatient prescription drugs.

1. You can choose Original Medicare. If you want prescription drug coverage, you must join a Medicare Prescription Drug Plan (Part D).
2. You can choose to join a Medicare Advantage plan (like an HMO or PPO). Most Medicare Advantage plans include prescription drug coverage.

If you have limited income and resources, you may qualify for help to pay for some health care and prescription drug costs. If you quality for Extra Help and join a Medicare drug plan, you’ll:
• Get help paying your Medicare drug plan’s monthly premium, yearly deductible, coinsurance, and copayments.
• Have no coverage gap.
• Have no late enrollment penalty.

To see if you qualify for Extra Help, call:
• 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day, seven days a week; or
• The Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call 1-800-325-0778; or
• Your State Medicaid Office.

All of these plans help cover health care expenses not covered by Medicare. Medicare Advantage plans include your Original Medicare benefits and other benefits in one plan. If you join a Medicare Advantage plan you will use one member ID card for your health care and prescription drug needs. You do not need an additional Medicare Supplement. Medicare Advantage plans allow you to enhance your Original Medicare coverage by selecting only those additional benefits that are important to you.

To choose, you’ll need to compare the level of coverage for each and see which best fits your needs. Help is available — contact us or call your insurance agent.

To be eligible for either a Medicare Advantage plan or a Medicare Supplement plan, you must have Medicare Part A and Part B and continue to pay your Part B premiums (and Part A, if applicable) unless otherwise paid for by a third party. To be eligible for a Medicare Part D plan, you must be eligible for Part A or enrolled in Part B — you do not need to have both.