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How to Enroll
Eligible for Medicare Advantage
New to Medicare
Caring for a Loved One
There are four Parts of Medicare, including Part A, Part B, Part C and Part D, all which have different levels of coverage and costs. It’s important to have a solid understanding of Medicare and know what each option offers, so you can choose the plan that’s right for you. At a basic level, Medicare is government-sponsored healthcare for people over 65, under 65 with disabilities or anyone with end-stage-renal disease (ESRD). Medicare was originally designed in 1965 to provide affordable medical coverage to older Americans.
Traditional Medicare (Parts A and B)
The government-sponsored plans are Part A and Part B, which are commonly referred to as traditional Medicare or original Medicare. Part A covers hospital expenses for emergencies and is free in most cases. Part B covers doctor expenses for routine medical visits and has a monthly premium paid to the government. The amount varies based on a variety of factors including age of enrollment, number of years worked and salary, but on average it’s about $104.90 per month.
Medicare Part C and D
With traditional Medicare, you’ll have deductibles and coinsurance that may become very expensive if you are seeing a doctor more regularly. Also, you will likely need prescription drug coverage in addition to traditional Medicare. Medicare deductibles, coinsurance and prescription drugs can be costly expenses that are not covered under traditional Medicare. So, Medicare has created more affordable options that are offered by private insurance companies contracted with Medicare.
Medicare Advantage (Part C) is an all-in-one coverage that usually combines Part A, Part B and Part D, and this is offered through private insurance companies that are contracted with Medicare. Most Medicare Advantage plans offer prescription drug coverage and have additional benefits that you would not get from Part A and Part B alone.
Prescription Drug (Part D) gives you coverage to lower your prescription drug costs.
More on Medicare Advantage
We believe that good healthcare coverage provides coverage for your current health needs but also protects you from unexpected medical expenses. Medicare Advantage plans offer you more coverage than traditional Medicare at affordable prices and give you the peace of mind that you’re covered for the future. Whether you’re
new to Medicare
, interested in
improving your current coverage
caring for a loved one
, we can guide you through the Medicare journey to help you make an informed decision about your Medicare coverage and get the plan that’s right for you.
KelseyCare Advantage is offered by KS Plan Administrators, LLC, a Medicare Advantage HMO with a Medicare contract. You must continue to pay your Medicare Part B premium. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premium and/or copayments/co-insurance may change on January 1 of each year. The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.
Understand Medicare Advantage
Compliance and Fraud
How to Enroll
Cost Sharing, Copayments,and Deductibles
Appeals / Grievances
Part D Coverage Determination
©2015 KelseyCare Advantage. All rights reserved.
H0332_WB17 CMS approved