Medicare Part - Supplement Plans

What does Medicare cover (Parts A, B, C, and D)?
Different parts of Medicare cover different services.
Understanding the four parts of Medicare. 

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"Medicare Made Clear Overview".

  • Medicare Part - Supplement Plans

Part A (Hospital Insurance) covers most medically necessary hospital, skilled nursing facility, home health, and hospice care. It is free if you have worked and paid Social Security taxes for at least 40 calendar quarters (10 years); you will pay a monthly  premium if you have worked and paid taxes for less time. Part B (Medical Insurance) covers most medically necessary doctors' services, preventive care, durable medical equipment, hospital outpatientservices, laboratory tests, x-rays, mental health care, and some home health and ambulance services. You pay a monthly premium for this coverage.

Medicare Part D (outpatient Prescription Drug Insurance) is the part of Medicare that provides outpatient prescription drug coverage. Part D is provided only through private insurance companies that have contracts with the government—it is never provided directly by the government (like Original Medicare is).

If you want Part D, you must choose Part D coverage that works with your Medicare health benefits. If you have Original Medicare, choose a stand-alone Part D plan (PDP).

Medicare Part C is not a separate benefit. Part C is the part of Medicare policy that allows private health insurance companies to provide Medicare benefits. These Medicare private health plans, such as HMOs and PPOs, are known as Medicare Advantage Plans. If you want, you can choose to get your Medicare coverage through a Medicare Advantage Plan instead of through Original Medicare.

Medicare Advantage Plans must offer at least the same benefits as Original Medicare (those covered under Parts A and B) but can do so with different rules, costs, and coverage restrictions. You also typically get Part D as part of yourMedicare Advantage benefits package. Many different kinds of Medicare Advantage Plans are available. You may pay a monthly premium for this coverage, in addition to your Part B premium.

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Saving for your retirement is crucial, and making sure those resources last throughout your lifetime is just as important. Annuities do both-helping you save, then offering you a steady stream of income you cannot outlive. To improve financial security in retirement, more and more people are including annuities in their financial planning. Choosing this flexible retirement planning tool will allow your retirement savings to grow on an income tax deferred basis and then allows you a choice of payout options. Selecting the right kind of annuity is extremely important There are also a variety of options to consider before purchasing an annuity. You must ask yourself a series of questions (which are included in the free buyers guide) to determine exactly what you want to achieve. For more information contact Erica. Also see: Great Retirement Solutions

Published on Feb 22, 2016

Fifteen years of over-investment in capital-intensive industries has led to overcapacity in many markets. Daniela Costa, senior analyst for Goldman Sachs Research, forecasts a 5% global capex decline in 2016 that will kick off the first multiyear downturn since the early 1990s.

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