Bexar County Medicare Plans

Bexar County Medicare Plans

Healthcare costs have been a growing issue in the United States for years. Many people might worry that they can’t afford all their medical bills or insurance. This could leave some people with tough decisions about their health and finances.

The Medicare program was developed by the government to protect the health and well-being of millions of Americans. Over time, Medicare has provided more and more Americans with access to the quality and affordable health care they need. If you’re a Medicare beneficiary or helping someone who is, you may want to read this article to get an understanding of the Medicare program and the parts of Medicare. Understanding the basics of Medicare may be useful when you’re deciding on Medicare coverage to fit your individual needs.

There are four parts of Medicare: Part A, Part B, Part C, and Part D.

• Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
• Part B covers outpatient care, such as doctor visits, lab tests, and preventive services.
• Part C (Medicare Advantage) is an alternative to Original Medicare. It combines Part A and Part B coverage with additional benefits, such as prescription drug coverage, dental care, and vision care.
• Part D covers prescription drugs.

Are You Eligible for Medicare?

Generally, you are eligible for Medicare if you are:

• 65 years old or older
• A U.S. citizen or permanent resident
• Living in the United States

You may also be eligible for Medicare if you have:

• A disability and have been receiving Social Security disability benefits for at least 24 months
• End-stage renal disease (permanent kidney failure requiring dialysis or a transplant)

How to Enroll in Medicare

You can enroll in Medicare during the following times:

• The Initial Enrollment Period (IEP) is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65.
• The Annual Enrollment Period (AEP) is the seven-month period that runs from October 15 to December 7 every year.
• Special Enrollment Periods (SEPs) are available if you have a qualifying event, such as moving, losing your job, or getting divorced.

To enroll in Medicare, you can:

• Go to the Medicare website and create an account.
• Call the Medicare helpline at 1-800-MEDICARE (1-800-633-4227).
• Work with a Medicare-licensed insurance agent.

Medicare Costs

The cost of Medicare depends on the type of coverage you choose.

• Part A is premium-free if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States. If you are under 65, you may have to pay a premium for Part A.
• Part B has a monthly premium of $148.50 in 2023. You may also have to pay a yearly deductible of $235 in 2023.
• Part C (Medicare Advantage) plans have different costs, depending on the plan you choose.
• Part D has a monthly premium that varies depending on the plan you choose. In 2023, the average monthly premium for a standalone Part D plan is $33.74.

Medicare Resources

There are many resources available to help you learn more about Medicare.

• The Medicare website has a wealth of information about Medicare, including eligibility requirements, costs, and coverage.
• The Medicare helpline can answer your questions about Medicare.
• You can work with a Medicare-licensed insurance agent to get help choosing a Medicare plan.