With the growing population of adults 65 and older in the U.S., many people are taking on a new role as a caregiver. Specifically, helping to manage daily needs, health conditions, treatments and health expenses. This also includes helping make decisions and recommendations about which Medicare plan is right for them. Hometown Health’s Director of Government Programs, CJ Bawden, provides answers to frequently asked Medicare questions.
Although Medicare may be overwhelming for a caregiver, it is an essential part of a senior’s healthcare needs. It’s important for caregivers to have a strong understanding of how Medicare works and the different plans, so they are in a better position to care for their loved one’s future health needs.
The Medicare Open Enrollment Period is from now until December 7, a perfect time to discuss Medicare essentials.
What is Medicare?
Medicare is a government health insurance program for people age 65 years or older and have worked a total of 10 years, or are married to an eligible individual. People under the age of 65, disabled and who have received Social Security disability payments for 24 months or more, are also eligible for Medicare.
Medicare has parts A, B, C and D. We call them the “ABC’s of Medicare.”
What are the differences between Medicare Parts A, B, C and D?
Medicare Part A – most individuals are automatically enrolled in Medicare A on their 65th birthday. Medicare Part A covers hospital care.
Medicare Part B – individuals must elect to enroll in Medicare Part B, which covers doctors and specialists.
Medicare Part C – also called Medicare Advantage plans, such as Senior Care Plus, this plan has Part A, B and D all in one.
Medicare Part D – individuals must also enroll in Medicare Part D, which has prescription drug coverage.
What other factors should caregivers consider?
Affordability is always a concern when making healthcare decisions. Senior Care Plus offers a variety of cost-effective HMO health insurance plans to choose from thanks to our partnership with CareMore Health, including the Renown Preferred Plan. This plan offers thousands of dollars in extra Medicare benefits for a $0 monthly premium.
Additional benefits include:
- $0 office visits
- Prescription drug savings
- Dental coverage
- Transportation to and from the doctor’s office
- Vision coverage
- Hearing aid coverage
Access to providers is another concern for caregivers to discuss with loved ones. Being able to see their doctor when needed, and not having to wait months for treatment, is a top priority for seniors. Our plans provide access to Renown Health and their wide range of healthcare services and dedicated care teams.