Can New Immigrants Get Medicare?
Immigration has been a significant root of population growth and cultural change for much of our country’s
Fussell and Goodyear Insurance Advisors have been in the Medicare business for more than 15 years with a combined 50 years in the insurance industry.
While Medicare covers many different procedures and medical expenses, certain things aren’t covered. Dental cleaning, vision exams, and hearing aids all are typically not covered. For those in need of uncovered services, considering supplemental insurance may be the best option.
Medicare Advantage plans are also known as Part C and provide various levels of coverage for beneficiaries. They are sold by insurance companies and not directly through Medicare.
Medicare provides health insurance for those over 65. It is a valuable program that allows access to healthcare and preventative services. Those who are enrolled in Medicare should continually examine their plan and ensure that it’s updated to meet their current and future needs.
Life insurance provides many with the peace of mind that comes from knowing loved ones will be taken care of financially if death occurs. It is a way of providing in case of death and is recommended for those who have dependents.
Fussell and Goodyear Insurance Advisors have been in the Medicare business for more than 15 years with a combined 50 years in the insurance industry.
We can help make the decision process as easy as possible. Reach out to Fussell and Goodyear Insurance Advisors today so you can find the right coverage.
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Fussell and Goodyear Insurance Advisors have been in the Medicare business for more than 15 years with a combined 50 years in the insurance industry.
Immigration has been a significant root of population growth and cultural change for much of our country’s
Medicare’s coverage is extensive and can seem complicated. By understanding the various parts, coverage is simplified.
Referred to as Part A, Part B, Part C, and Part D, each category covers various healthcare. Parts A and B are called Original Medicare. These parts cover the majority of inpatient and outpatient care. Parts B, C, and D are optional. Part C is offered through independent insurance agencies and is an excellent choice for many.
One of Part A’s most used coverages is hospital inpatient care. However, long-term care is not covered, so there are certain criteria that a hospital stay must meet. Medicare does cover semi-private rooms, inpatient nursing, and meals you eat while receiving care.
Inpatient mental health treatment is covered, but only up to 190 days in a psychiatric hospital. If you’re going to be using Part A to cover inpatient costs, speak to your insurance provider about the specifics. Depending on the nature of the stay, you may be required to pay certain fees or coinsurances.
Part B covers both medically necessary and preventative services. Preventative services include not only screenings and early detection methods but also the treatment that may be required based on those results. Part B covers some medical devices and equipment, such as wheelchairs and tools for diabetes management. Medicare Part B includes many mental health services, such as outpatient care and screenings.
Medicare Part C, also called Medicare Advantage, is offered by Medicare-approved private companies that must follow a specific set of rules. If you join a Medicare Advantage Plan, you’ll still have Medicare, but you’ll get your Original Medicare insurance coverage from the Medicare Advantage Plan.
Medicare Part D covers most prescription drugs. However, not all prescriptions may be covered to the same degree. Before enrolling in a plan, check that you will be receiving adequate coverage for the medication you take regularly. If you think that you’ll be using Part D, it’s best to enroll when first entering Medicare, so that you don’t have to pay a late fee later on.
Medicare coverage doesn’t have to be a mystery. At Fussell & Goodyear, we’ve worked extensively with clients to ensure they’re enrolled in the insurance plan that’s best for them. We would be honored to assist you in any way possible, making sense of your Medicare journey.
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