President Lyndon B. Johnson signed Medicare into law some 56 years ago. A lot has changed in that time, and there are some facts that Americans may not be aware of the health insurance program.

1. Claiming Social Security does not mean Medicare will automatically start. Check your enrollment period so you don’t miss out on important dates!
2. Medicare insurance isn’t entirely free. Hospital insurance is covered at no additional cost by Medicare; however, the deductible is $1,364 for each benefit period with a $0 for the first 60 days of a benefit period, but then goes up from there.
3. You don’t have to enroll in Medicare just because you turned 65, but you may want to. Check what coverage you have with your employer so you don’t get a lapse in insurance coverage! 
4. Planning to travel on retirement? Medicare won’t travel with you. Medicare Part A and Part B are not applicable outside of the U.S, so consider getting travel medical insurance, or a Medigap Plan that provides foreign travel emergency health care coverage.
5. Long-term care is not included in Medicare coverage. Long-term care only covers a limited number of days, but if seniors want more coverage, a supplemental plan is needed.
   

With all the information out there it’s hard to know where to start. That’s where Health Plans of America comes in. They do all the hard work for you by offering information and resources to help you make informed decisions. Don’t wait! Connect with a licensed Medicare specialist in your area today.

Navigating health insurance can often feel like a labyrinth of jargon and decisions. It’s natural to be a bit overwhelmed. That’s why we’re here to break it down for you. Before you commit to a health insurance plan, it’s essential to ask these top five questions:

1. Will it Save Me Money, Even When I’m Healthy?
Consider factors like monthly premiums and the costs of doctor’s visits when you’re feeling fine. It’s not just about sick days; you want a plan that’s cost-effective throughout the year.

2. Is It Affordable When I’m Ill?
Life throws curveballs, and accidents happen. You need a plan that fits your budget when unexpected health issues arise. Key questions to ask include the deductible and out-of-pocket maximum.

3. Are My Doctors Covered?
Your relationship with your doctor is crucial. Peace of mind comes from knowing your preferred healthcare provider is in your plan. Ensure your plan’s coverage network is extensive and that your doctor is a part of it.

4. Does it Include Prescription Drug Coverage?
Medication costs can add up quickly. Check the plan’s formulary to see which drugs are covered and their costs. Other essential questions include your regular prescription expenses and in-network pharmacies.

5. Will it Support Me When I’m Unwell?
Suffering from a sore throat is no fun, and you want a plan that provides swift care. Find out if you need to choose a primary care doctor or clinic and if they’re conveniently located.

Remember, there’s no one-size-fits-all solution when it comes to health insurance. Whether you’re a first-time buyer or switching policies, Health Plans of America is here to make the insurance process hassle-free. We have the tools and resources to guide you through this important decision.

If you are in an original Medicare program, also known as Medicare Part B, you are entitled to 80 percent coverage of most medical equipment and supplies. You may be wondering what sort of items are included and whether the ones you depend on are on that list. These items include, but are not limited to wheelchairs, artificial limbs, pacemakers, commode chairs, hospital beds, appliances to aid breathing, neck and back braces, oxygen supplies, and more.

To qualify for Medicare coverage, the equipment guidelines are as follows:

• Medically necessary for the insured
• Prescribed by a primary care professional
• Reusable and durable
• Applicable for in-home use

There are a few other things to note about medical equipment – one being that most of it is often rented, you must get it from an approved Medicare supplier, and Medicare does not cover disposable items. 

Want full coverage of medical supplies and equipment? Additional insurance, like Medigap, covers those costs. Health Plans of America can help connect you with a licensed Medicare specialist who will help you make informed decisions about your medicare.

There are several different health insurance plans it gets a little confusing which ones fall under each category. All health insurance plans compliant with the Affordable Care Act, commonly known as Obamacare, are major health insurance plans. 

Here are a few other health insurance plans that you may be familiar with:

• Health insurance for individuals and families
• Employer-based health insurance
• Qualified health plans
• Catastrophic plans
• Government-sponsored health insurance coverage – Medicare, Medicaid, etc.

While most Americans get their health insurance from their employer or union, many people also get it from the government through Medicare or Medicaid. Unfortunately, many individuals are not insured at all. This becomes an even bigger problem because according to Obamacare, everyone is required to have a significant health insurance policy or be subject to a tax penalty for being uninsured. 

Whether purchasing health insurance for the first time or changing your policy, Health Plans of America has the tools and resources to make the insurance buying process hassle-free.

Here at Health Plans of America, we are dedicated to helping Americans find affordable health insurance. Health Plans of America is not a health insurance company. Rather, we are one of the largest and most trusted sources for competitive health insurance quotes. Whether you’re a recent graduate, self-employed, working without coverage, retiring, or just trying to save money, use our website for relevant information about all things health coverage-related.