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The Medicare coverage available from the government is often referred to as original Medicare. It has two parts: Part A and Part B. It provides hospital and medical insurance for individuals who are eligible due to age or disability. It is strictly health insurance that covers some medically related expenses and does not cover life insurance premium costs.
helps pay the costs of inpatient care services you get as an inpatient in a hospital setting. Part A may also pay for:
Most people can get Part A without having to pay a premium for it. This is because it’s funded through a payroll tax, so you likely already paid for it during your working years.
With Medicare Advantage (Part C) plans, you have the option to combine coverage into a single plan from a private insurer rather than get original Medicare plus supplemental coverage.
Medicare Advantage plans are a full replacement you can enroll in instead of getting original Medicare.
They also have expanded coverage, such as lower out-of-pocket costs, prescription drug benefits, dental and vision coverage, and so on.
You can buy Medicare supplement plans, sometimes called Medigap plans, from private insurers. These plans help cover the gaps in original Medicare coverage.
They may help lower out-of-pocket costs, such as copays and coinsurance. And they may add services like dental, vision, hearing, or long-term care coverage.
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helps pay for costs that include:
You do have to pay a premium for Part B. The amount varies depending on factors such as your income.
While Medicare pays a significant portion of these costs, it doesn’t pay 100 percent of them. You’ll still pay for copays, coinsurance, and deductibles. These costs can add up, especially if you have to seek care often.
Plus, original Medicare doesn’t cover any costs of prescription drugs, long-term care, or dental, hearing, or vision services. But you do have options for expanding your coverage, discussed below.
Another specific type of Medicare plan is Part D. These are prescription drug plans that focus solely on helping pay the costs of prescription medications.
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Your initial enrollment period for Medicare begins 3 months before the month of your 65th birthday and continues for 3 months after, regardless of whether you’re retired or have plans to retire anytime soon.
It usually makes sense to enroll in at least Part A at this time, since you likely can get it without paying a premium. Part A will coordinate benefits with any other coverage you have.
If you choose to continue working, or if you qualify for employer-sponsored coverage through your spouse, you may decide to not enroll in Part B or any supplemental coverage just yet. In these cases, you’ll qualify for a special enrollment period later on.
There’s also an open enrollment period every year. During this time, you can enroll for the first time or change plans. The open enrollment period for Medicare Advantage plans is January 1 through March 31 each year.
You can enroll in a Medicare plan in Mississippi if you are:
You can learn more about your Medicare coverage options in Mississippi through the following organizations:
Shopping for Medicare coverage is just like shopping for any insurance plan. You want to be aware of how plans might vary and how those differences might affect the ways you seek healthcare. This will help you narrow down which options best suit your needs.
It’s important to remember that while federal law says that Medicare Advantage plans must cover all the same benefits as original Medicare, insurance companies have some flexibility in plan design. When considering your options, you’ll want to ask yourself questions, such as:
When you’re ready to take the next steps toward Medicare enrollment, here are some things you can do:
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