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How Does Medicare Work?
In general, you will sign up for both your Medicare Part A and Medicare Part B benefits only once in your lifetime.
There are, of course, extenuating circumstances and outliers outside of the norm, but we are not discussing that here.
You can sign up for Medicare Part A at a different date and time then when you sign up for Medicare Part B.
But you do need, both, Medicare Part A and Medicare Part B to be eligible to buy a secondary insurance plan from a private Insurance company, like Medicare Advantage, or Medicare Supplement.
Medicare is significantly and systematically different than commercial insurance you may have from work, or a private insurance plan you picked from the New York State healthcare exchange, in more ways than you may think.
The main difference being everything with Medicare is based by the individual. There is no joint plan for families or couples, and you do not have to make the same choice as your spouse or significant other.
Original Medicare
You are considered to be covered by Original Medicare when you have activated both Medicare Part A and Medicare Part B.
We consider this being "bare" with Medicare
Part A is referenced to on your ID card as 'Hospital' coverage, but you can think of it as care that falls in the category of 'inpatient services,' or something you are doing somewhere where you are staying over night more than 24 hours. (Like, 3 days in the hospital for open-heart surgery, or 4 days in a skilled nursing/rehab facility after a knee replacement).
Part B is referenced to on your ID card as 'Medical' coverage, but you can think of it as care that falls under the category of 'outpatient services,' or something you are doing somewhere where you do not stay overnight and come home within 24 hours. (Like, an office visit with a doctor, going for an x-ray or bloodwork, and some surgical procedures such as cataracts).
Original Medicare covers only 80% of approved health care, healthcare services and healthcare supplies.
You are responsible for an upfront deductible, and then you are required to pay your share of 20% of the remaining balance of the bill.
Services covered by Medicare must be medically necessary.
Original Medicare will cover many preventive services, like shots and screenings.
If you go to a doctor or other health care provider that accepts the Medicare-approved amount, your share of costs may be less. If you get a service that Medicare doesn’t cover, you pay the full cost.
There is no limit on what you’ll pay out-of-pocket in a year unless you buy a secondary insurance plan from a private Insurance company, like Medicare Advantage, or Medicare Supplement.
CRITICAL KEY: It is our honest opinion that Original Medicare Part A and Part B will NOT provide you with enough adequate coverage you want...or need...for you future financial security.
What Do You Want To Learn Next?
You Can Feel Confident Knowing What To Do With Medicare.
I Can Take Away The Stress Of Trying To Tackle It On Your Own.
Figuring out all the fine print with Medicare doesn't need to feel stressful. You don't have to spend your scarce free time at home, alone, in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself.
Confidently knowing exactly what to do (and when) with Medicare is the key to avoiding future fines and fees and only my Medicare SmartStart Program will show you how.
If you don't have the time or the desire to deal with Medicare directly, and want a BETTER, SMARTER, time-saving solution to short-cut hours of your own trial and error so you know --- without question --- you aren't messing anything up making a mistake...
Let me put my proven Medicare SmartStart Program to work for you.
Click the link below to take the next step and schedule a complimentary Medicare SmartStart Strategy Session with me --- it's that easy!
You Can Feel Confident Knowing What To Do With Medicare.
I Can Take Away The Stress Of Trying To Tackle It On Your Own.
Figuring out all the fine print with Medicare doesn't need to feel stressful. You don't have to spend your scarce free time at home, alone, in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself.
Confidently knowing exactly what to do (and when) with Medicare is the key to avoiding future fines and fees and only my Medicare SmartStart Program will show you how.
If you don't have the time or the desire to deal with Medicare directly, and want a BETTER, SMARTER, time-saving solution to short-cut hours of your own trial and error so you know --- without question --- you aren't messing anything up making a mistake...
Let me put my proven Medicare SmartStart Program to work for you.
Click the link below to take the next step and schedule a complimentary Medicare SmartStart Strategy Session with me --- it's that easy!
Get Started For FREE!
Who Is Andrew Hibbard?
Since 2015, Andrew has helped over 850+ Western New Yorkers through his nationally recognized Medicare SmartStart Program, taking away all the stress from folks trying to tackle Medicare on their own. His impressive record of success has been gotten Andrew featured in Forever Young Magazine and the BEE Group Newspapers, exclusive interviews on WECK Radio's Senior Matter's Program, and author an #1 Amazon best-selling guidebook on the subject, "Starting Medicare Smartly," revealing how the rules specifically and significantly differ for NY residents versus other states.
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