Three Medicare Questions
Please Correct if this understanding is wrong:
Not for Medicare D, but...
1. For Medicare Supplements (Medigap)
If you have the Original Medicare, and move to a different state, you CAN keep the plan from the state where you originally purchased it. If you move and decide to change to a policy in the 'new' state, you may be subject to membership review and fees based on your current health situation.
2. For changes involving Medicare Advantage.
Medicare Advantage vs. Medicare Supplement Program Designs
Medicare Advantage and Medicare Supplement plans have different program designs. When you buy a Medicare Supplement plan, you are still enrolled in Original Medicare. Medicare pays the majority of your healthcare bills while the private insurance simply covers the extra copayments and deductibles.
When you enroll in a Medicare Advantage plan, you move completely into a private health insurance plan. That means your insurance company covers all your healthcare bills. Insurance companies must provide the same level of coverage as Original Medicare with their Medicare Advantage plans, with the exception of hospice care. The end result of the two programs is about the same; they just go through a different setup.
3. Medicare Advantage may not provide out of area services other than Emergency or Urgent Care, and Dialysis.
Please Correct if this understanding is wrong:
Not for Medicare D, but...
1. For Medicare Supplements (Medigap)
If you have the Original Medicare, and move to a different state, you CAN keep the plan from the state where you originally purchased it. If you move and decide to change to a policy in the 'new' state, you may be subject to membership review and fees based on your current health situation.
2. For changes involving Medicare Advantage.
Medicare Advantage vs. Medicare Supplement Program Designs
Medicare Advantage and Medicare Supplement plans have different program designs. When you buy a Medicare Supplement plan, you are still enrolled in Original Medicare. Medicare pays the majority of your healthcare bills while the private insurance simply covers the extra copayments and deductibles.
When you enroll in a Medicare Advantage plan, you move completely into a private health insurance plan. That means your insurance company covers all your healthcare bills. Insurance companies must provide the same level of coverage as Original Medicare with their Medicare Advantage plans, with the exception of hospice care. The end result of the two programs is about the same; they just go through a different setup.
3. Medicare Advantage may not provide out of area services other than Emergency or Urgent Care, and Dialysis.
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