Choosing the right NH Medicare coverage can be tricky, especially with so many supplemental add-ons. While original Medicare is sufficient for many, sometimes a bit more is required. For instance, prescription drug coverage, vision, and dental coverage are a few of the most significant forerunners in added coverage options. While these options are available separately, you can also consider Medicare Advantage.
What is NH Medicare Advantage?
Like original Medicare, there are many aspects of Medicare Advantage. However, to simplify the understanding, one can think of this plan as a bundled option. Typically, Medicare Advantage provides Part A, Part B, and Part D coverage. However, this varies depending on several factors.
A few variances
One of the most significant variances with Medicare Advantage is the out-of-pocket cost. In most cases, individuals are only allowed to utilize providers within the network to obtain the lowest cost. However, it’s important to note that this type of plan is only offered through companies approved by Medicare. Medicare then pays a fixed amount each month to the company that sets the guidelines.
When signing up for an Advantage plan, it’s imperative to inquire on the following:
- Do you need a referral to visit a specialist?
- What are acceptable facilities and providers for non-emergency or non-urgent visits? Please note, all emergency care is always covered.
- What if your provider refers you to an out-of-network provider?
- Are there services considered not medically necessary that could be denied coverage?
Rules can change every year, so if you’re enrolling, be sure to check in on the latest guidelines.
Most Medicare Advantage plans provide coverage for items excluded by original Medicare options. As mentioned, vision, hearing, dental, and even gym memberships may be covered under your tailored plan. Sometimes, this plan covers even more, including transportation costs, OTC drugs, adult care services, and so on.
Understanding the basics
Now that you have a grasp of the added benefits provided, you must also recognize that if you’re interested in enrolling in Medicare Advantage, you must first be enrolled in Medicare Part A and Part B. So while you pay premiums for Part A and Part B, you’ll also have the added cost of the Advantage plan.
Enrolling in NH Medicare is often a confusing and overwhelming process, especially if you’re a first timer. However, with a team of experts to rely on, you can have confidence that your medical coverage is right where it should be. For more information on NH Medicare and optional supplements, contact our staff at Brownell Financial Services Group, LLC.
For decades, we’ve successfully help individuals overcome obstacles and confusions concerning Medicare and all that comes with it. Don’t be left without the coverage you need, contact our office today by calling (603) 437-1992.