Each Medicare Insurance Plan type covers different things, and even the same type plan in a different area may cover different things and/or at different out of pocket expenses. It is important to have your insurance agent that enrolls you in a plan explain what your Medicare Insurance Plan covers, and also make sure that all your doctors and prescriptions are covered under your Medicare Insurance plan you choose “before" signing up.
If you are confused after you already have enrolled in a Medicare Advantage plan you should call the member services toll free phone number on the back of your member ID card and ask the phone representative your questions. They should be able to tell you if your doctor is in network, if your prescriptions are covered, if a medical procedure is covered, as well as the amount your copays, coinsurances, or deductibles, if applicable for your procedures. Also they can look up what Pharmacy is in network and which Preferred Pharmacies will save you the most on your specific drugs.
For those with a Medicare Supplement, most plans will allow you to go to any doctor in the U.S. that takes Medicare. However there are some select Medicare Supplements plans that require you to use in network “hospitals." You can also call the member services toll free phone number on the back of your member ID card if you have any questions on your Medicare Supplement Plan. Keep in mind that you will need to have a separate Prescription Drug Plan if you want your prescription drugs covered, since none of the newer Medicare Supplement plans include prescription drug coverage.
Note: Medicare Insurance information can be overwhelming and confusing to many people. As an independent licensed agent I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose and enroll in a plan that you feel fits your needs.
By the way, it doesn’t cost you any more if you enroll in a Medicare Insurance plan through me as an independent agent versus directly with an insurance company either over the phone or via the Internet, since I get paid by the insurance companies for your enrollment. Plus you will have personalized service by a local agent. If you would like my assistance, please call me at 941-404-5334.
By calling this number, I understand I will be directed to a licensed insurance sales agent.