Medicare & You by Department of Health and Human Services Centers for Medicare

By Department of Health and Human Services Centers for Medicare and Medicaid Services (CMS)

Each Medicare beneficiary can get one loose reproduction of this consultant without delay from Medicare or from the nation medical health insurance information application (SHIP). this can be a reasonably cheap version for use as an alternative, or for these no longer eligible for Medicare. Like "Medicare & You" on fb.

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Whether you have Medicaid or get state help paying your Medicare costs. ■■Whether you have a Medigap (Medicare Supplement Insurance) policy. ■■Whether you and your doctor sign a private contract. See page 55. For more information on how other insurance works with Medicare, see page 84. For more information about help to cover the costs that Original Medicare doesn’t cover, see pages 57–59 and 90. Medicare Summary Notices If you get a Medicare-covered service, you will get a Medicare Summary Notice (MSN) in the mail every 3 months.

You pay 20% of the Medicare‑approved amount, and the Part B deductible applies. Tests (other than lab tests) Includes X-rays, MRIs, CT scans, EKGs, and some other diagnostic tests. You pay 20% of the Medicare-approved amount, and the Part B deductible applies. If you get the test at a hospital as an outpatient, you also pay the hospital a copayment that may be more than 20% of the Medicare-approved amount, but it can’t be more than the Part A hospital stay deductible. See page 132. See “Clinical Laboratory Services” on page 31 for other Part B-covered tests.

If you choose to join a Medicare Advantage Plan (like an HMO or PPO), the plan usually includes Medicare prescription drug coverage. If you don’t choose a Medicare Advantage Plan or other Medicare health plan, you will have Original Medicare. See the next page for more information about your coverage choices, and the decisions you need to make. Note: If you have End-Stage Renal Disease (ESRD), you will usually get your health care through Original Medicare. See page 64 for more information. Each year in the fall, you should review your health and prescription needs because your health, finances, or plan’s coverage may have changed.

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