What Are The Medicare Coverage Options for Seniors?
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Are you a senior who is considering Medicare? Our team at Health Services of North Texas (HSNT) is here to provide helpful information for older patients who are searching for medical coverage. We understand that Medicare can be confusing, which is why we have provided essential resources below for you and your loved ones. Continue reading to discover the different Medicare options for seniors, what Medicare covers, and how to maximize your benefits. We also invite you to call any one of our locations in Denton, Plano, or Wylie, TX to learn more.
What is Medicare?
Medicare is a government-provided health insurance program that is different from Medicaid. With Medicare, coverage is available for individuals who are:
- 65 or older
- Younger with certain disabilities
- Battling end-stage kidney disease
It’s also important to know that there are monthly payments with certain Medicare plans. The point of these costs is to keep your coverage active. The amount you pay is based on the plan you select.
Why is Medicare important?
Medicare plays a vital role in providing healthcare for millions of seniors and people with disabilities. It covers a series of medical services, including doctor visits, prescription drugs, and hospital stays.
Medicare parts
Medicare is available in several different plans. Eligible patients can choose from the following:
- Part A
- Part B
- Part C/Medicare advantage
- Part D
What is Medicare Part A?
Medicare Part A is a premium-free, hospital insurance plan that covers the following:
- Hospital stays
- Hospice care
- Nursing or extending care services
- Some in-home health care services
If you have a Health Savings Account (HSA) and select Part A, you won’t be able to continue adding money to that account.
What is Medicare Part B?
Medicare Part B is considered a medical insurance plan that insures the following:
- Doctor visits
- Outpatient care
- Certain medical supplies
- Preventive care
Typically, those who select Part B pay a monthly premium. If your income is over a certain tax bracket, you will be required to pay more, and you’ll be responsible for covering 20% of your health services costs once you reach your deductible.
Medicare Part C|Medicare advantage
Medicare Part C or Medicare Advantage covers everything in Part A and Part B. Various Medicare Advantage plans also provide additional coverage for dental, vision, and hearing. Most Medicare Advantage plans include prescription drug coverage.
Medicare Part D
Medicare Part D is considered prescription drug coverage. This plan will cover the following services:
- Medications for your current condition
- Vaccinations/Immunizations
Part D plans are all run by private insurance companies that adhere to Medicare protocols.
How to determine which is best for your needs?
Health Services of North Texas is proud to accept Medicare so seniors can get the essential care they need and deserve. If you are trying to decide which plan is best for you, consider the following factors:
- Current health and long-term medical needs
- Income and how much you spent on medical care last year
- Whether you are taking any medications to help maintain your health
Contact our office in Denton, Plano, or Wylie, TX if you have any questions regarding the different types of Medicare plans we accept.
Medicare for Seniors in Denton, Plano, and Wylie, TX
Medicare has enabled millions of seniors to get the high-quality medical care they require to maintain optimal health. If you or your loved one has Medicare and is looking for a Medicare provider, call Health Services of North Texas. We have locations in Denton, Plano, and Wylie, TX to best serve our patients.