Medicare Advice Parts A,B,C,D

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Choosing Medicare coverage in Pennsylvania is very easy

First, the insured (you) must be signed up with Medicare Part A and Medicare Part B
This can be found on your Medicare card. It will say Part A and Part B below it with the dates you signed up
Part A is automatic when a U.S. citizen turns age 65
Part B is optional

Second, choosing a Medicare Health Plan Supplement. There are 3 options to choose from

1. True Medicare Supplement plans A thru J These plans are the same for every state and every company. The only difference is in the premiums or how much the insurance company will be charging for this coverage. In this plan Medicare is your primary care and the supplement is your secondary care. The supplement will pay for any expenses that Medicare doesn’t cover designated in the outline of coverage. In most of these plans all you have to pay is the monthly premium and the Part B deductible ($131 for 2007) and all your out of pocket expenses are satisfied for the year You can choose any Doctor in Pennsylvania to receive care from. Every Doctor in Pennsylvania must take Medicare patients due to the Mom Law.

2. HMO This plan works like a regular HMO plan with copays for health care services In this plan the insurance company is your primary care and Medicare is your secondary care. Out of pocket expenses are your monthly premium and unlimited copays throughout the year

3. PPO This plan works like a regular PPO plan with deductible and coinsurance for health care services In this plan the insurance company is your primary care and Medicare is your secondary care Out of pocket expenses are your monthly premium, deductibles, and coinsurance payments throughout the year

Third, choosing a Prescription Drug Plan Medicare Part D. There are very many options available to you. This is what you should look for.

I would just like to point out this is a very confusing process every plan is different so I will say this.

Aetna, Aetna, Aetna I can’t say it enough they have the best plan and this is why.

1. No Deductible
2. Full Coverage
3. Coverage in Donut Hole (where coverage stops)

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