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A Medicare Advantage plan is a private health insurance plan that you may opt to get your benefits from instead of traditional Medicare. Originally called Part C, Advantage plans usually have an HMO or PPO network of doctors.
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A Medicare Supplement Insurance (MediGap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles.
Medicare Part D insurance is healthcare coverage that helps beneficiaries pay for prescription drugs. You can obtain Part D coverage in two different ways. If you have Part A and/or Part B, you can enroll in a stand-alone prescription drug plan that works in conjunction with your original benefits. Or, if you have both Part A and Part B, you can enroll in an Advantage Plan (Part C) that includes prescription drug coverage.
Even if you don’t qualify for full-LIS benefits, you could be eligible for partial-LIS benefits if your income level is at or below 150% FPL (resource limits also apply – see charts below).
Remember, the LIS subsidy or Extra Help may help pay your monthly Medicare Part D plan premiums and a portion of your formulary drug costs.
If you meet qualifications, you may be eligible for a Medicare Savings Program (MSP) which will pay either Part A and B premiums, or Part B. While each state may have different guidelines, below are the base guidelines.
Below are the 3 MSPs
There have been numerous questions asked on how Veterans can use a Medicare Advantage (MA), Medicare Advantage with Part D (MAPD) or Part D plans and how it coordinates with VA benefits. Keep in mind that MAPD or MA plans are NOT limited only to those with VA benefits.
Hospital indemnity insurance is coverage you can add to your existing health insurance plan. This form of supplemental insurance pays you a predetermined benefit amount per day for each hospital confinement. They usually pay you this daily benefit amount for up to a year.
If you were to die prematurely, you can make sure your family is taken care of and their needs are met. There are different options, to ensure your specific wants and needs are met. Read below your options when it comes to life insurance.