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You know that you need Medicare coverage.How do you decide what plan is right for you? Before you enroll, you need to determine your healthcare and prescription drug needs as well as when to begin your coverage.
Many Medicare Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), or private-fee-for-service (PFFS) plans also include prescription drug coverage.That means you get medical coverage and prescription drug coverage all in one plan.Medicare prescription drug plans
Prescription drug plans help you cover your prescription drug costs.Each Medicare prescription drug plan offers coverage at least as good as the Medicare minimum standard requirement. Some plans offer more choices and have different premiums and costs depending on the benefits offered.Medicare Supplement insurance plans
Medicare Supplement insurance plans cannot include prescription drug coverage.If you want prescription drug coverage, you need to enroll in a separate, stand-alone Medicare prescription drug plan.
With a Medicare Advantage (MA) plan, you may pay a monthly plan premium to the insurer in addition to the Medicare premium you already pay. Many MA plans—including the majority of Humana's - also provide prescription drug coverage at no additional cost.Prescription drug plans
With a Medicare prescription drug plan, you may pay a monthly plan premium to the insurer in addition to any Medicare premium you already pay. If you didn't sign up for drug coverage when you first became eligible, you may have a higher premium—as much as one percent more for every month you wait to enroll. This higher premium is a Medicare Part D late enrollment penalty (LEP).
Your insurance carrier collects this fee on behalf of Original Medicare. This fee also applies if you join an MA plan with prescription drug coverage.
Learn more about the Part D Late Enrollment Penalty and answers to these questions:
With a Medicare Supplement insurance plan, you pay a monthly plan premium to the insurer in addition to the Medicare premium you already pay. The premium varies by plan type, state and other factors.
In most cases, your coverage becomes effective on the first day of the next month after you enroll. However, if you enroll in a plan between October 15 and December 7, your coverage is effective on January 1 of the following year.Prescription drug plans
In most cases, your coverage becomes effective on the first day of the next month after you join. However, if you enroll in a plan between October 15 and December 7, your coverage is effective on January 1 of the following year.
If you purchase a stand-alone prescription drug plan while you're enrolled in a Medicare Advantage plan with prescription drug coverage,you are automatically disenrolled from your Medicare Advantage plan.
In most cases, your coverage is effective on the first day of the next month after you enroll unless you request a different effective date.Your Medicare Supplement Open Enrollment Period continues for six months after you sign up for Medicare Part B or upon your 65th birthday. During this time a company must allow you to buy any Medicare Supplement plan offered in your state.
Learn more about enrollment periods in the section on When to Enroll.
Prepare yourself for the unexpected things in life. Learn where to go for care if you have the flu, twist your ankle or may be facing a serious situation.Learn more about where to go for care
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Last Updated 10/25/2011
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