Medicare Health Plans in Minnesota
Have questions about Medicare? There is a lot to know. Our experienced, licensed agents are knowledgeable about the different types of Medicare health plans and can help assist you in the process of finding a plan to suit your individual needs. We offer free informational Medicare workshops throughout the state of Minnesota where you can ask questions and get personal answers. Additionally, our one-on-one meetings with agents are also free.
Frequently asked questions regarding original Medicare:
For most People the earliest you may start your Medicare is the first day of the month you turn 65. If you're born on the 1st of the month you are eligible for the first of the preceding month. If you're receiving social security disability or have certain diseases you may be eligible considerably earlier call for details.
If you start receiving Social Security Income prior to 65 your Medicare part A and B will be started for you automatically. You should receive your card with both A & B effective dates between 90 and 100 days prior to your effective date. If you're receiving group coverage [Groups of less than 50 can force you to sign up for part B] at the time you reach age 65 you have an option not to sign up for part B. You or your spouse must be actively earning your group coverage. COBRA is not a viable option for 65+ individuals. If you currently have “Creditable” drug coverage you have an option not to sign up for part D coverage. You can collect Social Security and not start your Medicare. Determining if you should stay on group coverage is a big decision and you should talk to a Medicare Professional to determine if you are giving up any options by doing so.
Medicare Part A is inpatient hospital coverage. There is a premium if you have not worked ten years as an adult. You must be admitted for coverage to begin. Medicare has strict rules about what they will or will not pay on. There is a Co-pay for nearly every hospital stay. The coverage is for: Hospital facility, Nurses, Food, Facility, Anesthesiologist, but not the Surgeon. There is additional coverage for skilled nursing, at home health care and Hospice under part A.
Medicare Part A helps cover:
Medicare Part B is the “Medical” portion and includes the Doctor. There is an annual deductible and it is 80/20 with no maximum.
NOTE: Part B has a premium which can vary by your gross income from two years prior - so 2015 income would affect 2017 Part B rates.
The following medically-necessary services are covered:
Medicare Part C is a Private Medicare Plan substituting A and B. Most commonly called a Medicare Advantage Plan, often including part D drug coverage. When you have Part C you continue to pay for your part B premium.
Medicare Part D is prescription drug coverage, as in the coverage you would receive at a Walgreens or Target pharmacy. It is heavily subsidized by the Government.
In order to access your part D benefit you must buy a Part D plan from a private company which has an approved plan. Private companies that Medicare has approved to facilitate prescription drug coverage. There is a premium for Part D; as well as co-insurance which could include: co-pays, deductibles or co-insurance as a % of the cost of the medications.
- Long-term care
- Routine dental or eye care
- Cosmetic surgery
- Hearing aids and exams for fitting them
- Routine foot care
- Other services that are deemed exploratory/experimental
Generally, Medicare does not cover anything while you are out of the U.S.
Medicare is a Federal program-it will work the same when you travel state to state. Medicare works the same, your plan may not. This is something to go over with your agent.
If you use an agent, this is something they would make sure happens. Not all insurance companies work with all clinics. Not all clinics work with all insurance companies.
It depends. Not all Veterans can access VA benefits and also the VA has a closed formulary so it is possible that a qualified veteran will need a plan to access that medication.
It depends on the type of plan you have purchased.