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Medicare patients can change coverage October 15-December 7th
Medicare is a federal health insurance program for individuals ages 65 and older and for eligible people who are under 65 and disabled. It’s run by the Centers of Medicare and Medicaid Services, an agency of the U.S. Department of Health and Human Services. Medicare covers a portion of medical expenses. Individuals on Medicare are responsible for paying a portion of their medical expenses including deductibles, co-payments, and services not covered by Medicare.
According to the Louisiana Department of Insurance, there are four important parts to Medicare which individuals must consider:
- Hospital insurance (Part A) helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care.
- Medical insurance (Part B) helps pay for doctors, many medical services and supplies that are not covered by hospital insurance.
- Medicare Advantage (Part C) formerly known as Medicare + Choice is available in many areas. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations under Part C.
- Prescription drug coverage (Part D) helps pay for medications doctors prescribe for treatment.
To help seniors make the best decision possible when enrolling in Medicare plans, senior health insurance counselors are available to beneficiaries by phone in Louisiana. Call 1-800-259-5300 for more information from SHIIP – the Senior Health Insurance Information Program.
For information regarding enrolling in Medicare plans, check out the Medicare Plan Finder Guide by clicking here.