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This issue comes up when an individual is eligible for Medicare, but also has other coverage. It’s known as “coordination of benefits.” The answer is, it depends on the type of coverage you have. For example, if you have Medicare and Medicaid, then Medicare always pays first. Medicaid would only pay the amount remaining after […]

Generally, no. It’s illegal to sell you a marketplace policy if you have Medicare. Section 1882(d) of the Social Security Act makes it illegal to knowingly sell duplicate coverage to a Medicare beneficiary. If you already have a marketplace policy before you sign up for Medicare, then you can keep your marketplace policy. However, any […]

Does Medicare pay for all of my health care? No. Medicare only pays for covered goods and services. In fact, there are many co-pays and deductibles. The 2016 co-pays are at the following link: https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html. The 2017 numbers have not been finalized yet, but when they are, they should be posted at the same link. […]

When can you get Medicare? You can sign up for Medicare during the initial enrollment period, which begins 3 months before the month you turn 65, continues through the month you turn 65 and for an additional three months thereafter. In other words, the initial open enrollment period is 7 months. If you do not […]

Medicare Home health services How often is it covered? Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) covers eligible home health services like intermittent skilled nursing care, physical therapy, speech-language pathology services, continued occupational services, and more. Usually, a home health care agency coordinates the services your doctor orders for you. Medicare […]