Hurst, Medigap

Who Qualifies for Medicare?

Medicare extends health insurance coverage primarily to individuals aged 65 and above. Nevertheless, exceptions to this age threshold exist for individuals meeting specific criteria related to disability due to particular medical conditions. Such conditions encompass amyotrophic lateral sclerosis (ALS) and end-stage renal disease (ESRD).

Exploring the Various Medicare Plans

Medicare comprises four distinct components:

Part A: Hospital Insurance – Intended to cover expenses linked to hospital inpatient care and skilled nursing facility care, hospice care, and home health care.

Part B: Medical Insurance – Allocated for compensating medical service providers, including doctors, as well as outpatient care. Additionally, it caters to home health care, preventive services such as vaccinations and screenings, and durable medical equipment like walkers and wheelchairs. The plan offers flexibility in selecting any Medicare-accepting provider or hospital across the United States, alleviating concerns about staying within a designated network.

Part C: Medicare Advantage – Unlike conventional Medicare plans, Part C involves enrollment in Medicare-approved plans operated by private insurance companies. Enrollees may experience lower out-of-pocket costs, but they typically need to utilize network-affiliated doctors to ensure coverage for expenses.

Part D: Prescription Drug Coverage – Designed to offset the costs of prescription drugs, including various vaccinations. Enrollment can be done alongside Medicare Parts A and B (Original Medicare) or through joining a Medicare Advantage Plan or Part C with drug coverage. While Medicare-regulated, drug coverage plans are administered by private insurance companies.

Hurst Medigap (Medicare Supplements)

Eligibility for Original Medicare potentially qualifies individuals for Medicare Supplemental (Medigap) plans. These policies address some or all of the out-of-pocket expenditures associated with Original Medicare, and they might include supplementary benefits like gym memberships or dental discount programs.

For those leading a full-time or extensive RV travel lifestyle, we recognize your unique requirements and are ready to assist you in identifying an appropriate Medicare Supplement plan. The coverage afforded by Medicare Supplements spans the entire U.S., granting you the freedom to consult any Medicare-accepting healthcare provider.

Understanding Medicare Supplements

Medicare Supplements are insurance plans provided by private carriers to bridge the gaps present in Original Medicare coverage. Original Medicare entails deductibles for both Part A and Part B, and generally covers 80% of medical service expenses, leaving beneficiaries accountable for the remaining 20%. Supplementary insurance steps in to alleviate these financial burdens, helping to cover deductibles and coinsurance, and potentially reducing or eliminating out-of-pocket expenses.