October is the time for everyone to make a decision about which Medicare Plan to be on. If never on Medicare you need to understand which plans are there for you and the difference between each plan.

Part A – Is Free. In Hospital anything over a 24 hour period. Medical Equipment.

Part B – You pay for it. Outpatient, Doctor, X-ray, Laboratory, ambulance ride, etc.

Part C HMO or PPO

HMO – When you pay a copay and have a Primary Care Doctor and that doctor referrers you to a specialist within your contracted plan. You also need an authorization for medical treatment. In some plans your medication, dental, eye care. Some even cover Health Clubs.

PPO- When you pick your own specialists within your own contracted plan. Pay copays but do not need a referral or authorization.

You may also have and extra plan for example: AARP and also pay for a drug plan.

Part D – Prescription Drug Plan. This you pay for. There are 4 tiers to this plan. It depends on the kind of medication you need.

Note: Overall the HMO Plan is the cheapest way to go but you maybe frustrated  with it if you do not know how it works.

There is Straight Medicare where Medicare pays 80% of your bill and you pay the rest.

There is Medi/Medi which is Medicare and Medi-cal combined. Free.

Call Social Security 800-772-1213 and discuss the different plans.

My book, Fight Your Medical Insurance Nightmares!!  Let me show you how answers all your questions on these issues plus has sample appeal letters for your use. It has a chapter on medical terminology and explains how insurance works and much more.

Linda Meckler author copyright 2013

Thank you for reading my article. Please feel free to read any of my numerous articles on various subjects.

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