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What To Know About Medicare Coverage If Traveling

Question: My spouse and I are traveling across the USA this summer. How will my Medicare insurance cover me? Answer: As with most questions I get, my answer is: it depends! So, let’s run down a couple of common situations. When you are using your Original Medicare Part A & B with a Medicare Supplement you have very comprehensive insurance wherever you go within the USA and our territories. You don’t need to think about networks and finding participating providers. That makes travel within the USA very easy. You can access healthcare throughout your traveling as necessary. Your ...

Medicare Plans That Cover Overseas Trips

Question: I am traveling to Europe this summer. How will my Medicare insurance cover me? Answer: As with most questions I get, my answer is: it depends! So, let’s run down a couple of common situations. When you are using your Original Medicare Part A & B with a Medicare Supplement you have very comprehensive insurance wherever you go within the USA and our Territories. You don’t need to think about networks and finding participating providers. That makes travel within the USA very easy. When thinking of travel outside the USA, Original Medicare Part A & B do NOT cover you. ...

Answering Questions About Medicare Coverage

Question: I turned 65 earlier this year and enrolled in Medicare and an additional Medicare Advantage Plan. When do I change my coverage again, when I turn 66 or is there another time? Answer: Congratulations on making it through your Initial Open Enrollment Period (IEP) when you turned 65. That process can be overwhelming. Getting Medicare Part A & B started, and then reviewing all the possible plans in addition to that… It can be quite a process!! Now you are in the same calendar year timeframe of all 67 million Americans with Medicare! That window includes an Annual Enrollment ...

Fall Is Best Time To Look For Plans

Question: I turned 65 earlier this year and enrolled in Medicare and an additional Medicare Advantage Plan. When do I change my coverage again, when I turn 66 or is there another time? Answer: Congratulations on making it through your Initial Open Enrollment Period (IEP) when you turned 65. That process can be overwhelming. Getting Medicare Part A & B started, and then reviewing all the possible plans in addition to that… It can be quite a process!! Now you are in the same calendar year timeframe of all 67 million Americans with Medicare! That window includes ...

Will Medicare Pay For Pre-Existing Medical Problems?

Question: I am turning 65 later this year, how will Medicare handle the coverage of my already existing medical problems? Answer: Congratulations on reaching Medicare eligibility! Your coverage with Medicare is very comprehensive. When you become Medicare eligible, Medicare covers all your pre-existing medical conditions with very few exceptions. If you have Diabetes, Cancer, High Blood Pressure any medical conditions, Medicare will cover you starting your first day of eligibility. Medicare always starts the first of the month, usually the month of your 65th birthday. There are ...

Insurance Options When You Work Longer Than Planned

Question: I was planning on retiring, so I signed up for Medicare Part A & B. Now I have decided to keep working. Since I don’t need Medicare anymore, can I cancel it? What about the premiums I’ve already paid? Answer: We all look forward to retirement, and then when it gets close, we sometimes have a difficult time deciding on the right time to retire. Changing your mind about the timing is common. The answer is different when we talk about the different parts of Medicare: Parts A, B, and D. For Medicare Part A, if you choose to end your coverage you must repay any benefits ...