MEDICARE 101 PART 4: MEDICARE PART B
MEDICARE EXCLUSIONS
Medicare does not cover certain things:
- Long Term Care (Assisted Living / Nursing Home)
- Most dental care
- Eye exams related to prescribing glasses (in most cases)
- Dentures
- Cosmetic surgery
- Acupuncture
- Hearing aids and exams for fitment
- Routine foot care
MEDICARE PREVENTATIVE VISIT
Must perform within the first 12 months they have Part B
- Height, weight, BP
- Calculate body mass
- Simple vision test
- Review of risk of depression
- Talk about advance directives
- Plan for screenings, shots and other preventative services
MEDICARE INSURANCE OPTIONS
When someone agents into Medicare, there are two main options for healthcare and drug coverage:
Page 17 of the Medicare & You publication
The left column is a Medicare Part D plan and a Medicare Supplement (Medigap) policy or the right column which is a Medicare Advantage plan with or without a Medicare Part D plan built in.
ENROLLMENT TIMES: MEDICARE PART C AND D PLANS
7 Month Window
3 months prior, the month of their 65th birthday, and three months after.
MEDICARE SUPPLEMENT PLANS
6 months of their Part B start date beneficiaries are guaranteed issue into any Medicare supplement plan available to them
OTHER ENROLLMENT SITUATIONS
- Coming off group coverage
- Moving to a new service area
- Qualify for additional help
- Medicaid
- Social Security Assistance
- Certain state programs
- Additional enrollment times can be found on Medicare.gov & in the Medicare & You publication
ADDITIONAL MEDICARE INFORMATION
Medicare has no max out of pocket
Medicare does not cover international travel
CONGRATULATIONS! YOU’VE COMPLETED MEDICARE 101!