Maine Medicare Plans
In Maine, Medicare is available to the eligible citizens like any other state in the US. Medicare is the federal health insurance program that covers people who are 65 or older.
The program also covers people under 65 if they may qualify because of a disability or another special situation.
Medicare gives options to choose the benefits either through the federal government and Original Medicare (Parts A & B).
Medicare Part A:
Medicare Parts A is also called original Medicare. It’s an important element of the federal health insurance program for senior citizens who are 65 years of age or older. The program is also available to those who missed the Medicare but qualify on specific health conditions.
Medicare Part A offers coverage for hospital insurance. The coverage includes cash payments for inpatient hospital and may cover cost like your room fees, meals, operating room, and rehabilitation services. Furthermore, Medicare Part A also offers coverage for necessary medical supplies and drugs administered during your hospital stay. To note, Medicare Part A does not doesn’t cover private duty nursing.
Medicare Part B:
Medicare Part B is another integral element of Federal’s Original healthcare program in America. It offers coverage for necessary outpatient services such as routine doctor visits, many emergency medical services and outpatient mental health services. This coverage is also available for a slew of preventive care measures, such as flu shots as well. It’s worth noticing that in many cases Medicare provides beneficiaries a set budget for equipment and tests administered during these outpatient services taken. Though, Medicare Part B offers coverage for some medication, it doesn’t cover drugs prescribed during the visit.
There are certain eligibility requirements for opting Medicare A& B. If you are reaching 65, the age threshold for the plan, and receiving Social Security or Railroad Retirement Board (RRB) benefits, you’re automatically eligible for Medicare Parts A and B from day one when you’re 65. You are also automatically enrolled if you are under 65 and eligible for disability benefits.
Medicare Advantage (Part C) Plans:
Medicare Advantage (Part C) plans include combine benefits of Medicare Part A and Part B. The coverage also includes added benefits like prescription drug coverage or dental care that are not usually covered under original Medicare.
Medicare advantage plans cover all the benefits of the Part A (except hospice care) and all benefits of Medicare Part B as well. Plan includes several extra benefits not covered by Medicare Part A and Part B. Therefore, Medicare advantage plan may be a good option if you’re looking at additional coverage for routine dental care, eye exams, eyeglasses and corrective lenses, hearing tests and hearing aids. Premium of the plan fits to the budget and are easily customizable from person to person.
Medicare Prescription Drug (Part D) Plans:
All Medicare Prescription Drug plans offer drug coverage prescribed for people enrolled in Medicare. However, carriers can offer coverage for specific brand name and generic drugs. The list of drugs covered under the plan can be seen by viewing a plan’s drug list.
Medicare Prescription Drug deductibles are the amount that beneficiary pays before a plan covers starts covering prescription drugs costs. Deductible differ from carrier to carrier. Some plans have deductibles and some don’t.
During the initial coverage of Medicare prescription drug coverage, beneficiary and carrier shares the cost to be paid. The process continues until your payments and the plan’s payments total $4,020 for the year.
Coverage gap is another feature of the plan that triggers when your drug costs and plan payments for the year reach $4,020. When you enter the stage, you’re required to pay 25% of the cost for covered generic and brand-name drugs. It continues until your out-of-pocket costs for the year approaches the threshold coverage of $6,350.