Blogs
- Open Enrollment 2023 FAQ
- Get Ready! Medicare Open Enrollment Begins October 15th
- Ten Shocking Medicare Stats
- Minimize Home Care Costs with Medicare
- 4 Ways to Make Your Home Safer for Loved Ones with Alzheimer’s Disease
- 7 Million Californians to Benefit from State-Run Retirement Plan
- 5 Ways to Get the Most from Medicare
- How to Spot Medicare Open Enrollment Scams
- 200,000 Doctors are Turning Away New Medicare Patients
- Doctors Warn Patients About Upcoming Medicare Changes
- The Mystery of Medicare
- Medicare Cost Plans vs. Medicare Advantage
- Shopping for Medicare Last Minute
- 5 Reasons to Switch Your Medicare Advantage Plan
- Medicare Help: Get Help Choosing a Hospital
- What do Medicare drug plans cover?
- How Medicare Online Works for Medicare Beneficiaries
- Medicare Part A Costs
- When to buy Medigap Insurance
- The Latest in the Battle for Prescription Drug Coverage
- Don’t Miss These Medicare Deadlines
- 4 Tips for Protecting Your Retirement Savings
- Medicare Open Enrollment Starts Soon
- The Ultimate Retirement Checklist
- Health Care to Cost $10K Per Person
- 8 Things Seniors Should Know About Hospice Care
- Do seniors know enough about their Medicare choices?
- Retirement Plans You Might Regret
- Medicare Penalized for Being Too Careful
- Paul Ryan’s Plan to Make Medicare a Voucher Program
- Thrown Away: $3 Billion in Cancer Drug Spending Wasted
- How Seniors are Winning with Home Care
- Medicare Facts - Are Injections Better Than Eye Drops for Addressing Cataracts
- 3 Things You Don’t Know About Medicare But Should
- Americans Want Medicare to Cover Obesity Treatments
- Best Places to Retire with Affordable Healthcare
- Medicare to Test New Drug Pricing for Doctors and Hospitals
- Retirement – 5 Websites Made for Retirees
- Medicare Home Health Agencies
- Medicare Part B Costs And Coverage 2016
- Medicare Advantage is Changing in 2016 – Are you Ready?
- Choosing a Home Health Agency
- Medicare Part D Costs and Coverage 2016
- DIY Guide to Medicare Shopping
- Should Medicare Cover Genetic Sequencing?
- CMS Bars Cigna from Enrolling New Medicare Members
- Is Medicare for All an Achievable Goal?
- Trump – Medicare Should Negotiate Drug Prices
- A Guide to Medicare Part A
- 5 Things You Didnt Know About Medicare
- Medicare News: A Look Back at Medicare Changes in 2015
- Hospital Prices Vary Across U.S.
- Five Ways You’re Wasting Your Retirement Money
- Government Targeting Remaining Uninsured
- Retirement Benefits Set to Change in 2015
- Medicare Costs: These 5 Screenings will Help You Keep Medicare Costs Down
- Medicare Spending: New way to explore Medicare prescription-drug spending
- Infections & Mistakes - Medicare Penalizes South Florida Hospitals
- Three Changes Coming to Medicare in 2016
- Quit Smoking with Help From Medicare
- Get Your Free Flu Shot Before It is Too Late
- Antibiotic Use: When Not to Take Antibiotics
- Medicare Premium Costs Are Not Going to Spike For Now
- A Migraine even without throbbing pain is a migraine
- Deciding on your best options according to your circumstances and needs
- Medicare Advantage Plans (Under part C)
- Medicare Prescription Drug plans (Part D)
- The things that Medicare doesn’t take care of
- Nurture your body by drinking plenty of water
- Avoid paying more for prescription drug coverage
- Dear Coffee lovers, Caffeine may actually be beneficial for you
- How does one select a primary care provider for oneself or a loved one?
- Know how traveling affects your Medicare plans
- Have Medicare costs been worrying you? The good news is, you may qualify for financial hel
- What should be done if I want to make a transition from Health Marketplace to Medicare
- The drawbacks of Medicare Advantage
- Can Medicare Advantage provide quality, savings, satisfaction and access- all together?
- Refining Medicare Advantage
- What are my expectations from a Medicare program?
- Medicare Additional/Supplemental Insurance Plans
- Working towards better American Health care- Medicare Advantage
- Managing out-of-pocket costs and paying for Medicare
- The basics of medicare and how it works
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3 Things You Don’t Know About Medicare But Should
Medicare provides retirees with affordable health care coverage. For many, it’s the only way they’re able to afford medical treatment, prescription drugs, and other health care costs.
While you may think you know all there is to know about Medicare, you may be surprised to learn these three things:
1) There are many options when it comes to providers
Retirees have more to choose from than U.S. government-provided Medicare coverage. There are private insurance companies like Blue Cross Blue Shield and United Health Group who offer Medicare Advantage plans. With more options there's a higher chance of getting the coverage you need, and the ability to compare different rates.
Medicare Advantage plans were created in 1995, and while they are administered by private insurers they are regulated by the U.S. government. Medicare Advantage plans must provide at least the same amount of coverage that is covered in “original Medicare.” In order to compete, private providers will often provide broader coverage that includes vision and/or dental care. Original Medicare doesn’t provide coverage outside of the U.S., but some Medicare Advantage plans do. Tired of high out-of-pocket expenses, Medicare Advantage plans have limits on out-of-pocket expenses as well.
2) What isn’t covered
Many Medicare recipients are surprised to discover that original Medicare doesn’t cover visits to the dentist, ophthalmologist, or audiologist. Shocking since our vision, hearing and teeth begin to weaken as we age. Medicare won’t cover trips to the dentist for basic services like cleanings, fillings, extractions or dentures. However, in the event an extreme dental emergency requires a visit to the hospital, Medicare will pay for certain dental services.
In regards to vision, Medicare won’t pay for many eye care services like routine eye exams or eyeglasses, but they do cover the cost of a yearly glaucoma test.
3) Higher income means higher premiums
Many people believe that means-testing of benefits could solve the financial crises many government programs like Social Security are facing, but many Americans don’t realize that Medicare already charges higher premiums to high-income participants.
Individuals with income less than $85,000 or joint filers with earnings less than $170,000 pay the standard Medicare Part B premium of $121.80. However, those with higher incomes pay an additional surcharge of about $48.70 per month. For example, incomes between $160,000 and $214,000 have to make an extra payment of $194.90 per month. Higher income participants also have to pay similar surcharges for Part D prescription drug coverage.