Medicare who is covered

You will no longer be eligible to receive financial assistance and your monthly premium and out-of-pocket cost may go up by a lot. However, if you have to pay a premium for Part A, you may keep your Covered California plan and receive financial help if eligible, instead of Medicare Part A — but not both. However, their eligibility must go through the determination process again, which may change the amount of financial assistance they can receive.

Medicare also offers Medigap, which is private supplemental insurance that helps pay for some healthcare costs like copayments, coinsurance, and deductibles. You should apply for Medigap within 6 months of enrolling in Medicare Part B medical insurance. For questions about enrolling in Medicare, call the Social Security Administration at To see if you will qualify for other Medi-Cal programs or programs to help pay your Medicare costs or premiums, contact your local county office.

Covered California Plans. Not sure which plan you qualify for? Shop and Compare. Dental Coverage. Family Dental. Vision Coverage. Adult Vision. Or, there could be a delay in your Medicare coverage start date. Many of these items can be covered on private health insurance general treatment extras policies.

Most insurers will have limits on how much you can claim per service and per year. How Health Insurance Works Your questions answered. Compare Policies Find policies that match your needs. Search this site Find out about Private Health Insurance. FAQ Frequently asked questions. Contact Us Need more information? Contact us today. Medicare Part A and Part B, also known as Original Medicare or Traditional Medicare, cover a large portion of your medical expenses after you turn age Part A hospital insurance helps pay for inpatient hospital stays, stays in skilled nursing facilities, surgery, hospice care and even some home health care.

Part B medical insurance helps pay for doctors' visits, outpatient care, some preventive services, and some medical equipment and supplies. Most folks can start signing up for Medicare three months before the month they turn It's important to understand that Medicare Part A and Part B leave some pretty significant gaps in your health-care coverage. Here's a closer look at what isn't covered by Medicare, plus information about supplemental insurance policies and strategies that can help cover the additional costs, so you don't end up with unexpected medical bills in retirement.

Some retiree health-care policies cover prescription drugs, too. You can sign up for Part D or Medicare Advantage coverage when you enroll in Medicare or when you lose other drug coverage. And you can change policies during open enrollment season each fall. Compare costs and coverage for your specific medications under either a Part D or Medicare Advantage plan by using the Medicare Plan Finder. One of the largest potential expenses in retirement is the cost of long-term care.

Medicare provides coverage for some skilled nursing services but not for custodial care, such as help with bathing, dressing and other activities of daily living. If you need a service outside of what is covered by Medicare, you will have to pay for that service yourself. Medicare Part C , also called Medicare Advantage, is privately sold insurance options that include the same coverage as parts A and B in addition to extra benefits like prescription drug plans , dental , hearing , vision , and others.

In order to purchase a Medicare Advantage plan, you must be enrolled in original Medicare. You usually pay a premium for these plans, and you have to see doctors within your network. Otherwise, copayments or other fees may apply. Your Medicare Part C cost depends on the type of plan you select. Medicare Part D is the plan that covers prescription drugs not covered by Part B, which are typically the kind of medications that need to be administered by a doctor, like an infusion or injection.

This plan is optional, but many people choose to have it so their medications are covered. The cost for Medicare Part D varies depending on what kinds of medications you take, the plan you have, and which pharmacy you choose. You will have a premium to pay and, depending on your income, you may have to pay additional costs. You may also have to make copayments or pay a deductible.

While Medicare covers a wide range of care, not everything is covered. Most dental care, eye exams, hearing aids , acupuncture , and any cosmetic surgeries are not covered by original Medicare. Medicare does not cover long-term care. If you think you or a loved one will need long-term care, consider a separate long-term care insurance policy.