If you’re currently enrolled in Medicare or considering signing up, it’s essential to understand exactly what’s covered under your plan—and just as importantly, what isn’t. While Medicare provides comprehensive coverage for many healthcare needs, there are some health-related services that it doesn’t cover. Being aware of these exclusions can help you make more informed decisions about your care and ensure you’re not caught off guard when the bills come. Here are some of the most common services that Medicare does not cover: 1. Routine Foot Care Medicare typically does not cover routine foot care, such as the treatment of corns, calluses, or toenail care. While this may come as a surprise to some, it’s important to note that treatment for

Navigating the world of health insurance can feel like learning a new language. With all the jargon and unfamiliar terms, it’s easy to get lost in the details. However, understanding a few key terms can make managing your health insurance plan much simpler and help you make better, more informed decisions. Here are five essential health insurance terms that you need to know: 1. Premium Your premium is the amount you pay monthly to maintain your health insurance coverage. Think of it as your “membership fee” to have access to the insurance plan. However, it’s important to note that paying your premium doesn’t necessarily cover the full cost of your medical services. In fact, it’s just the baseline for having

HMO, PPO, EPO: Breaking Down Health Insurance Plans Without the Headache Navigating health insurance can feel like learning a whole new language—HMO, PPO, EPO, copay, deductible… it’s enough to make your head spin. But don’t worry—we’re here to simplify the jargon and help you understand the most important details so you can choose the best health insurance plan for your needs (and your budget). Let’s break it down: HMO: Health Maintenance Organization Looking for a budget-friendly plan with predictable costs? An HMO might be for you. This plan works best if you’re comfortable sticking with one doctor and staying within a defined provider network. Just make sure you choose a PCP you trust—they’ll be your go-to for all things healthcare-related.

What is Medigap and Do I Need It? Have you heard of Medigap and wondered how it differs from a Medicare Advantage plan? It can be confusing to navigate the world of Medicare options, but we’re here to break down the key differences to help you make an informed decision. Medigap vs. Medicare Advantage: Key Differences Navigating Medicare options can be overwhelming, but you don’t have to do it alone. If you have more questions or need guidance, Health Plans of America is here to help. Their team of licensed insurance professionals is ready to provide you with personalized information and resources, making the decision process easier. Connect with a licensed Medicare specialist near you today!

Traveling This Summer? Here’s What You Need to Know About Medicare Coverage Are you planning to travel within the U.S. this summer? The good news is that most doctors and hospitals accept Original Medicare. If you experience a sudden illness or injury, Medicare Part B typically covers emergency medical care while you’re away. However, if you’re heading abroad, there are a few important details to consider. Medicare does not cover medical expenses incurred outside the U.S. This includes not reimbursing for prescription medications you purchase while overseas. That said, Medicare may cover certain services abroad, such as inpatient hospital care, ambulance services, or dialysis in foreign hospitals, but coverage is often limited. For additional protection when traveling internationally, Medigap (Medicare

Medigap, also known as a Medicare Supplement plan, is offered by private companies to help cover the costs that Original Medicare doesn’t pay for. This includes expenses like copayments, coinsurance, and deductibles, which can add up quickly without additional coverage. If you’re someone who enjoys traveling internationally, Medigap plans also offer the added benefit of coverage when you’re outside of the United States—something Original Medicare doesn’t provide. To qualify for a Medigap plan, you must already be enrolled in Medicare Parts A and B. Medigap vs. Medicare Supplement: What’s the Difference? There’s often confusion about Medigap and Medicare Supplement plans. To clarify, here are some key distinctions: Navigating Medicare and its various plans can be overwhelming, but Health Plans of