True Choice Benefits LLC offers affordable, quality Medicare Advantage and Medicare Supplement Plans, along with Medicare Part D Rx plans that provide more coverage and/or help fill in that gap between your out-of-pocket healthcare and what your original Medicare covers.
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Medicare Insurance 101 – Learn more about Original Medicare, Medicare Supplements and when you become eligible to enroll in a Medicare plan.
Medicare & Medicare Plans
Original Medicare (Part A) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
Here’s how Medicare Advantage Plans and Medicare Supplement Plans work to offset your healthcare costs:
Medicare Advantage Plans replace your Original Medicare and are designed to give you more coverage. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage, or you can purchase an additional Part D plan.
Medicare Supplement Insurance policies complement your original Medicare and will pay some, if not all, of the expenses that Part A and B do not cover.
Medicare Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.
Signing up for Medicare
To sign up for Medicare Parts A & B, most will have a 7 month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Once enrolled, if you wish to change or purchase Supplement Plans, you must act during the open enrollment period.
When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:
- You are turning 65
- You move to a new area that is not in your current plan’s service area
- Recently moved back to the US
- You lose your current coverage (either Group or Medicaid)
- You now need a SNP (Special Needs Plan) or you no longer need a SNP