Quick Guide to Medicare Part C Coverage

Medicare Part C coverage is an affordable health insurance plan which gives Medicare recipients the ability to get healthcare coverage through private health insurance providers.  Private health insurance companies offer Medicare Part C coverage to help Medicare patients maximize their health insurance benefits and gain coverage for other services that are not covered directly by Medicare.

 

What is Medicare Part C?

The original Medicare Health Insurance plan was established in 1966.  Back then, some of the health services which can now be obtained thru Medicare part c coverage were not considered to be viable.  Most Medicare Part C plans cover Dental, Vision, Hearing and Prescription Drugs which are to this day not covered by Medicare Part A and Part B plans.

Medicare Part C coverage combines Medicare Part A (hospital) and Part B (medical) into one convenient plan while also providing additional individual coverage.  Individual healthcare needs vary among retired people so there are different Medicare Part C coverage plans to choose from.  These different Medicare Part C coverages should be chosen based on an individual’s personal insurance needs.

Medicare Part C plans follow traditional insurance structures that include:

  • Health Maintenance Organization (HMO) plans
  • Preferred Provider Organization (PPO) plans
  • Private Fee-For-Service (PFFS) plans
  • Special Needs Plans (SNP)
  • Medicare Medical Savings Account (MSA) plans

 

What Does Medicare Part C Cover?

Medicare Part C coverage is an affordable insurance that can offer individuals more health benefits than the original Medicare Part A and B insurance plans.  Some plans even offer other health-related services like gym memberships and food delivery.  If you already have Medicare Part A and Medicare Part B plans you are eligible to get Medicare Part C coverage.

Here are some key coverage points to consider when choosing your Medicare Part C coverage plan:

  • Medicare Part A and Medicare Part B Deductible Coverage
  • Hospice Facility Care
  • Skilled Nursing Facility Care
  • Emergency Care While Traveling Outside the United States
  • Dental Insurance
  • Vision Insurance
  • Prescription Drug Coverage
  • Hearing Screening

 

Why Do I need Medicare Part C?

There could be numerous reasons why people need Medicare Part C coverage over and above the original Medicare Part A and Medicare Part B plans.  As you grow older you may come to find that you need more healthcare services in order to maintain your health. This is where Medicare Part A and Medicare Part B plans are just not enough.

With increased age, a person may need to take more costly prescriptions on a regular basis.  If an individual needs prescriptions, Medicare Part A and Medicare Part B will not cover those, resulting in high out of pocket expenses.  Because prescriptions are covered by Medicare Part C coverage plans. out of pocket expenses for prescription drugs will not become a financial burden.

As you age, you may get problems with your vision, or you may need unforeseen dental care.  Dental work can cost thousands of dollars – money that could be used in retirement for other living expenses.  Don’t waste money out of pocket for health services that can be covered by Medicare Part C coverage. As individuals, we need more health services in our later years, yet Medicare Part A and Medicare Part B do not cover many of those services.

One thing many retirees may have dreamed of is to travel abroad, to see the world and experience new cultures. How terrible would it be to travel outside of the United States and become seriously ill or hurt and not have health coverage?  This could happen to anyone at any time. You need health coverage while traveling overseas, otherwise it could be disastrous for an individual if something goes wrong.  Having a Medicare Part C coverage can be a life-saving tool.

With a Medicare part C coverage plan, you can have peace of mind while checking off items from your bucket list! Enjoy your future with no worries and consider purchasing a Medicare Part C Plan coverage instead of the traditional Medicare Part A and Medicare Part B plans.

Contact Barakat Insurance today for a one on one consultation of your Medicare needs.

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