Medicare For Dummies by Patricia Barry

By Patricia Barry

Manage the Medicare maze — from enrollment dates to devise options!

To get the main from Medicare, you would like exact info that steers you away from undesirable suggestion and dear pitfalls. Medicare For Dummies is what you must navigate Medicare effectively and get the simplest out of the complicated procedure. AARP’s Medicare professional, Patricia Barry, offers plain-language motives of ways Medicare works and what steps you must take to make it be just right for you, including: 

  • How you qualify for Medicare and while to sign up based on your own situation
  • What Medicare covers and what it costs
  • Ways to lessen out-of-pocket expenses
  • Tips for facing medical professionals and switching plans

You'll even get information regarding proposed adjustments to Medicare so that you can learn about and suggestions for staying fit. in case you are one of many thousands of american citizens trying to get the lowdown on Medicare, this hands-on, pleasant consultant has you covered.

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If you’re enrolled in Medicaid (state medical assistance), this program usually covers the co-pays for lifetime reserve days. If you’re enrolled in a Medicare Advantage health plan Medicare Advantage plans usually have a simpler system for charging for hospital stays. Often they charge a daily co-pay for the first several days and nothing for the remaining days. Most plans set no limits on the number of days they cover, so you don’t need to draw on lifetime reserve days. But some plans do set limits, although sometimes they charge no co-pays for the lifetime reserve days.

Note: The Part B costs described in the following sections apply if you’re enrolled in the traditional Medicare program. ” Premiums All people enrolled in Part B must pay a monthly premium to receive services (unless they’re eligible for state assistance, as explained in Chapter 4). In Chapter 3: Understanding What You Pay Toward Your Costs in Medicare late fall, the federal government announces the Part B premium amount for the following year. 90 a month. Note that qualifying word: standard. If your income is over a certain level, you pay more.

Phase 4, catastrophic coverage: If your drug costs are high enough to take you through the gap, coverage kicks in again. At this point, your share of the costs drops sharply. You pay no more than 5 percent of the price of each prescription. Catastrophic coverage ends on December 31. The next day, January 1, you return to Phase 1 (or Phase 2 if your plan has no deductible), and the whole cycle starts over again. Figure 2-1 is a quick way of looking at the same cycle of coverage. 25 26 Part I: Getting Started with Medicare Figure 2-1: Phases of Part D drug coverage and dollar limits.

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