Get in Touch!
(303) 719-8720
contact@wiswellinsurance.com
What does each part cover? Expand each section to learn more.
Part A covers inpatient care in a hospital, short-term skilled nursing facilities, home health services, and hospice care.
Part B covers doctors’ services (including those in the hospital), outpatient care, preventive care, and some medical equipment and supplies.
Part D helps cover the cost of prescription drugs.
Part C allows you to receive all of your covered Medicare benefits through one plan. Medicare Advantage plans (typically HMOs or PPOs) must cover all of Part A and Part B services, and most plans include Part D in their benefit packages. Some plans provide extra services that original Medicare doesn’t cover such as dental, vision, and hearing.
Medicare is a federal program that began in 1966. It provides guaranteed health insurance for those who are 65 and older, those who are younger than 65 but qualify on the basis of disability, and those with End-Stage Renal Disease.
Medicare is a federal health insurance program for those who are 65 and older, have a qualifying disability, or have ESRD, regardless of income. Medicaid is a state and federal funded program which provides health coverage for those with lower incomes. The eligibility rules for Medicaid are different for each state.
No, Medicare does not cover long-term care. However, Medicare does cover up to 90 days in a Skilled Nursing Facility. It’s important to have a plan in place for long-term care.
In general, yes. There are certain instances when underwriting may be required or there may be a waiting period.
The annual enrollment period occurs each year from October 15th - December 7th. Any changes will take effect January 1st of the following year.
The Initial Enrollment Period is a 7 month period around your 65th birthday. You can enroll 3 months prior to your birth month and up to 3 months following your birth month. To ensure your coverage starts as soon as possible, you will need to enroll during the 3 months prior to your birth month.
If your birthday is on the 1st of the month, you can enroll 4 months prior to your birth month instead of the usual 3 months prior.
Note: The 7 month Initial Enrollment Period does not increase to accomodate this. Instead of 3 months prior and 3 months following your birth month, you can enroll 4 months prior and 2 months following your birth month.
Please note, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.