Wednesday, April 16, 2014
FAIRFIELD-SUISUN, CALIFORNIA
99 CENTS

2 ways to get Medicare benefits

By
From page OSF8 | December 12, 2013 | Leave Comment

Some people may not realize it, but there are actually two ways to get Medicare benefits.

The best-known way is Original Medicare. With Original Medicare, you can choose any doctor, hospital or other health care provider you want, as long as they accept Medicare. When you receive medical services or goods, Medicare pays the provider directly.

The other way is Medicare Advantage, which is a form of managed care, like an HMO or PPO. Medicare Advantage is provided by private insurance companies approved by Medicare. If you’re in Medicare Advantage, you generally must go to doctors and other providers in the company’s network.

If you go outside the network, you may have to pay more.

On the other hand, Medicare Advantage companies may offer some coverage – such as dental, hearing, vision and wellness programs – that Original Medicare doesn’t.

Most people with Original Medicare pay a monthly premium. If you’re in Medicare Advantage, you sometimes pay an additional monthly premium to the private insurance company that covers you.

With Original Medicare, you must pay deductibles, co-pays and coinsurance.

To cover these “gaps” in Medicare, some people buy a type of supplemental insurance called Medigap. If you have a Medigap policy, Medicare pays its share of the covered costs and then your Medigap policy pays its share.

Medigap policies also are sold through private companies. All plans offer the same basic benefits but some offer additional benefits. The costs vary between insurance companies – and often cost is the only difference between policies. Some Medigap policies also offer benefits that Original Medicare doesn’t, such as medical care when you travel outside the United States.

Original Medicare generally doesn’t cover prescription drugs. If you want drug coverage, you can get it through Medicare Part D. Part D policies are sold through private companies approved by Medicare. You have to pay an additional monthly premium for Part D.

About 75 percent of Medicare beneficiaries choose Original Medicare, with the rest getting coverage through Medicare Advantage.

Medicare Advantage companies must cover all of the services that Original Medicare covers, except hospice care and some care in qualifying clinical research studies. (Original Medicare covers hospice and qualifying clinical research care even if you’re in a Medicare Advantage plan.)

In all types of Medicare Advantage plans, you’re covered for emergency and urgent care. Most Medicare Advantage plans also include prescription drug coverage.

But the plans can charge different out-of-pocket amounts and they have different rules for how you get service.

For example, you may need a referral to see a specialist. You may also need to stay in their provider network, unless you’re willing to pay more to go outside the network.

You should always check with the plan before you get a service to find out whether it’s covered and what your costs may be. If the plan decides to stop participating in Medicare, you’ll have to join another Medicare health plan or return to Original Medicare.

How can you decide whether Original Medicare or Medicare Advantage is better for you?

There’s a more detailed explanation of the differences between Original Medicare and Medicare Advantage in the “Medicare & You” handbook. An updated version of “Medicare & You” is mailed to all Medicare beneficiaries every fall.

You can also find “Medicare & You” on our website, www.Medicare.gov. If you have any questions, you can always call Medicare’s toll-free number, 1-800-MEDICARE (1-800-633-4227).

David Sayen is Medicare’s regional administrator for Arizona, California, Hawaii, Nevada, and the Pacific Territories.

LEAVE A COMMENT

Discussion | No comments

The Daily Republic does not necessarily condone the comments here, nor does it review every post. Read our full policy

.

Solano News

 
 
 
Suisun police ID shooting victim

By Ian Thompson | From Page: A3, 6 Comments

 
Solano Jews gather for start of Passover

By Amy Maginnis-Honey | From Page: A3 | Gallery

 
 
County discusses consolidated dispatch

By Barry Eberling | From Page: A4

 
Miner Slough Bridge to see repairs

By Barry Eberling | From Page: A4

 
‘Heaven is for Real’ opens Wednesday

By Amy Maginnis-Honey | From Page: B5

 
Fiesta Days pageant organizers seek contestants

By Amy Maginnis-Honey | From Page: A5

 
Easter hunt set for Mare Island

By Barry Eberling | From Page: A5

 
Crews make quick work of vehicle fire

By Glen Faison | From Page: A6, 6 Comments | Gallery

 
Paper Clover Campaign supports Solano County 4-H

By Amy Maginnis-Honey | From Page: A6

Coakley joins Solano fair board

By Barry Eberling | From Page: A6

 
Hundreds flock to Krispy Kreme as it opens doors

By Susan Winlow | From Page: B9, 1 Comment | Gallery

 
County to honor Solano educators

By Barry Eberling | From Page: A14, 1 Comment

.

US / World

Officials: Huge San Francisco blaze was accidental

By The Associated Press | From Page: A10

 
‘Shrimp Boy’ pleads not guilty in corruption case

By The Associated Press | From Page: A10, 1 Comment

Solemn tributes mark Boston Marathon bombing

By The Associated Press | From Page: A10, 1 Comment | Gallery

 
Immigration activists urge Obama to act boldly

By The Associated Press | From Page: A11

Supremacist faces murder charges in Kansas deaths

By The Associated Press | From Page: A14

 
Ukraine: Military secures airport from attack

By The Associated Press | From Page: A14

Democrats have outside money advantage – for now

By The Associated Press | From Page: A14, 3 Comments

 
First women move into Army platoon artillery jobs

By The Associated Press | From Page: A14

Final deadline arrives for health exchange sign-up

By The Associated Press | From Page: A14

 
New LA newspaper embraces print in digital world

By The Associated Press | From Page: A14

Congress is giving states the transportation blues

By The Associated Press | From Page: A14, 2 Comments

 
Police: Suspects in killings wore GPS devices

By The Associated Press | From Page: A14, 1 Comment

DNA alternative to Pap smear sparks medical debate

By The Associated Press | From Page: A14

 
Robot sub returns to water after 1st try cut short

By The Associated Press | From Page: A14

Hamas praises deadly West Bank shooting

By The Associated Press | From Page: A15

 
2 dead after ferry sinks off SKorean coast

By The Associated Press | From Page: A15

.

Opinion

 
Oh, for the days of Dr. Welby

By Dan K. Thomasson | From Page: A13, 13 Comments

Poor Judgement in Flight 370 column

By Letter to the Editor | From Page: A13, 1 Comment

 
Senseless babble that hurts

By Letter to the Editor | From Page: A13, 2 Comments

 
Expand Red Top Road

By Letter to the Editor | From Page: A13, 2 Comments

Editorial cartoons for April 16, 2014

By Daily Republic Syndicated Content | From Page: A13

 
.

Living

Community Calendar: April 16, 2014

By Susan Hiland | From Page: A2

 
What love gives you

By Barton Goldsmith | From Page: A2

Today in History for April 16, 2014

By The Associated Press | From Page: A2

 
A matzo ball soup fit for a weeknight dinner

By The Associated Press | From Page: B6

Saving carrots from their usual sugary Easter fate

By Sara Moulton | From Page: B6

 
Sweet pairings for grown-up Easter treats

By The Associated Press | From Page: B6

My husband still pays his 45-year-old unemployed son’s bills

By Kathy Mitchell and Marcy Sugar | From Page: B7

 
Horoscopes for April 16, 2014

By Holiday Mathis | From Page: B7

.

Entertainment

Boston Globe wins Pulitzer for bombing coverage

By The Associated Press | From Page: B5

 
Lindsay Lohan’s mom pleads guilty to DWI in NY

By The Associated Press | From Page: B5

Strahan’s ‘GMA’ side job confirmed with his visit

By The Associated Press | From Page: B5

 
TVGrid

By Daily Republic Syndicated Content | From Page: A11

.

Sports

Cal hires Tennessee’s Cuonzo Martin as coach

By The Associated Press | From Page: B1

 
Warriors trying to move on without Andrew Bogut

By The Associated Press | From Page: B1

Sharks’ Torres uncertain for playoff opener

By The Associated Press | From Page: B1

 
Indians shut out Mustangs

By Marcus Lomtong | From Page: B1, 1 Comment | Gallery

Ex-Minnesota State, Mankato coach returning to job

By The Associated Press | From Page: B2

 
Panthers jump Sabres to win NHL draft lottery

By The Associated Press | From Page: B2

More former players sue NHL regarding concussions

By The Associated Press | From Page: B2

 
49ers sign WR Brandon Lloyd to 1-year deal

By The Associated Press | From Page: B2

MLB marks 67th anniversary of Jackie Robinson’s debut

By The Associated Press | From Page: B2

 
.

Business

Twitter buys data analytics partner Gnip

By The Associated Press | From Page: A14

 
Yellen signals more aggressive stance toward banks

By The Associated Press | From Page: A14

.

Obituaries

Carolyn McClelland

By Nancy Green | From Page: A4

 
Evonne Medina

By Nancy Green | From Page: A4, 1 Comment

.

Comics

Blondie

By Daily Republic Syndicated Content | From Page: B6

 
Garfield

By Daily Republic Syndicated Content | From Page: B6

Peanuts

By Daily Republic Syndicated Content | From Page: B6

 
Pickles

By Daily Republic Syndicated Content | From Page: B6

Wizard of Id

By Daily Republic Syndicated Content | From Page: B6

 
For Better or Worse

By Daily Republic Syndicated Content | From Page: B6

Beetle Bailey

By Daily Republic Syndicated Content | From Page: B6

 
Zits

By Daily Republic Syndicated Content | From Page: B6

Rose is Rose

By Daily Republic Syndicated Content | From Page: B6

 
Sally Forth

By Daily Republic Syndicated Content | From Page: B6

B.C.

By Daily Republic Syndicated Content | From Page: B6

 
Baldo

By Daily Republic Syndicated Content | From Page: B6

Baby Blues

By Daily Republic Syndicated Content | From Page: B6

 
Dilbert

By Daily Republic Syndicated Content | From Page: B6

Frank and Ernest

By Daily Republic Syndicated Content | From Page: B6

 
Get Fuzzy

By Daily Republic Syndicated Content | From Page: B6

Sudoku

By Daily Republic Syndicated Content | From Page: B7

 
Bridge

By Daily Republic Syndicated Content | From Page: B7

Cryptoquote

By Daily Republic Syndicated Content | From Page: B7

 
Word Sleuth

By Daily Republic Syndicated Content | From Page: B7

Crossword

By Daily Republic Syndicated Content | From Page: B7