If you are starting to think about enrolling in Medicare, there are some important things you should know about your benefits. You’re likely eligible for Original Medicare, which includes Medicare Part A and Medicare Part B. It’s the minimum coverage required by the federal government and covers things like:
Inpatient hospital stays
Just sticking with Original Medicare, though, has some disadvantages — such as no limits on your out-of-pocket spending — even if you’ve met your deductible and your coinsurance (20% of the total bill) has kicked in. That means a hospital stay could still end up costing you thousands.
This is where Medicare Advantage, also called Medicare Part C, comes in to play. It includes everything that Original Medicare offers and a lot more — like prescription drug coverage, vision care, dental, hearing benefits, and coverage when you travel. And it limits your out-of-pocket spending.
Let’s take a closer look.
The Medicare Advantage (MA)
Medicare Advantage plans are health insurance plans that are offered through private companies like Highmark. These plans roll all your Medicare needs into one plan, so you only have to make one decision. Monthly premiums are typically low — with many plans having premiums as low as $0 per month — and they’re the same price for every person, regardless of age, health, or income. Medicare Advantage plans also give you control over your health care costs by capping your maximum out-of-pocket costs and protecting your savings.
Most Medicare Advantage plans are different, so be sure to pick one that has all the benefits you want or think you’ll need. Many of them include:
Dental coverage – most plans cover basic care, such as exams and fillings, while some also cover more extensive care including root canals, crowns, and dentures.
Eye care – most plans cover contacts and eyewear not covered by Original Medicare, which could save you a lot of out-of-pocket costs.
Over-the-counter medications – paying out-of-pockets for cold medicine and vitamins can really add up. Many plans cover these expenses.
Gym coverage – most plans offer fitness programs that cover the cost of gym memberships.
Clinical care teams – when you need specialty care, some plans offer clinical care teams that can coordinate your care, manage expenses, and much more.
Hearing aids – plans that include this feature help cut down your costs on exams and high-quality hearing aids, which could save you thousands of dollars.
Travel care – all MA plans include worldwide emergency care and some MA plans even cover routine care if you travel often or for long periods of time. Gain peace of mind knowing both your emergency and routine care needs are covered worldwide.
Chronic diseases – additional care and benefits for chronic diseases like diabetes.
Highmark Personal Medicare Advisors are happy to help — online, inperson, or over the phone.
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Highmark Choice Company, Highmark Senior Health Company, and Highmark Senior Solutions Company are Medicare Advantage plans with a Medicare contract. HM Health Insurance Company is a PDP plan with a Medicare contract. Enrollment in Highmark Choice Company, Highmark Senior Health Company, Highmark Senior Solutions Company, and HM Health Insurance Company depends on contract renewal.
Health benefits or health benefit administration may be provided by or through Highmark Blue Cross Blue Shield, Highmark Choice Company, Highmark Senior Health Company, Highmark Senior Solutions Company, or Highmark Health Insurance Company, all of which are independent licensees of the Blue Cross Blue Shield Association. All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration.
Highmark Blue Cross Blue Shield serves the 29 counties of western Pennsylvania and 13 counties of northeastern Pennsylvania. Highmark Blue Shield serves the 21 counties of central Pennsylvania and also provides services in conjunction with a separate health plan in southeastern Pennsylvania. Highmark Blue Cross Blue Shield West Virginia serves the state of West Virginia plus Washington County. Highmark Blue Cross Blue Shield Delaware serves the state of Delaware. Highmark Western and Northeastern New York Inc., serves eight counties in Western New York under the trade name Highmark Blue Cross Blue Shield of Western New York and serves 13 counties in Northeastern New York under the trade name Highmark Blue Shield of Northeastern New York. Each of these companies is an independent licensee of the Blue Cross Blue Shield Association. Blue Cross, Blue Shield and the Blue Cross and Blue Shield symbols are registered marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield companies. All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration.
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