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Medicare Made Clear

Medicare Made Clear

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Published by: compujet1 on Jun 16, 2012
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Y0066_111123_161548 File & Use 12032011
Show Me Guide
 An easy-to-use reference for understanding your Medicare options
Medicare
Made Clear
 
Medicare Made Clear
Table of contents
Copyright ©2012 United HealthCare Services,Inc. All rights reserved. No portion o this work may be reproduced or used without express writtenpermission o United HealthCare Services, Inc.,regardless o commercial or non-commercial natureo the use.
 A note about numbers
This guide provides inormation about Medicare costssuch as premiums and deductibles. Manyo these costs will change rom year to year.For the most current fgures, call the MedicareHelpline. Page 52This guide also gives many examples o costs orspecifc treatments or or premiums or privateplans. These costs vary rom plan to plan and romstate to state. Your specifc costs will vary.
Getting started ...........................1 What are the big ideas? .....................2Getting ready or Medicare ..................4 What you need to decide ....................5How does cost sharing work? ................6A look at whats coming up ..................7
Medicare Part A
Overview oMedicare Part A ................8 Your share o Part A costs ..................10
Medicare Part B
Overview oMedicare Part B ...............12 Your share o Part B costs ...................14
Medicare Part C: Medicare Advantage
Overview o Medicare Part C:Medicare Advantage .....................16 Your share o Part C costs ..................18Dierent avors o Medicare Advantage plans ..20Coordinated care plans:HMOs, POS and PPOs ..................21Coordinated care plans: Special Needs Plans ...22Private Fee-For-Service plans ...............24Medical Savings Account plans ..............25
Medicare Part D
Overview oMedicare Part D ..............26 Your share o Medicare Part D costs ..........28Getting the most rom a MedicarePart D plan ............................29
 Medicare supplement (Medigap) insurance
Overview o Medicare supplement(Medigap) insurance .....................30 What Medicare supplement plans cover .......32How Medicare supplement insurancepolicies work ...........................33
Choosing a plan
Examples ochoosing a plan ................34Decision roadmap ........................36Help or people with lower incomes ..........37Enrollment windows and timing .............38Switching plans ..........................39Reading the cards ........................40Using your Medicare benefts ...............41Help with care at the end o your lie .........42Frequently asked questions .................43Glossary ................................45Resources ...............................50
 
Show Me Guide1
 The Medicare program helps 43 million Americans get the health care they need. That’s a goodthing. Just as important, Medicare oers you choices about how you can receive your benefts. You can fnd a solution that fts your needs, whatever they may be.But choosing Medicare coverage can sometimes seem difcult. You know this choice isimportant to both your health and your budget, and you want to do a good job. This decision is important, but you’ve made important decisions beore. You’ll have to spendsome time studying your choices, but, in the end, you can fnd a solution that’s right or you. This guide will introduce you to the choices that are available and will explain the importantdierences. It’s not a comprehensive guide to every nook and cranny o the choices you have, butit will help give you a solid oundation or understanding them. Why is this decision so important? Because health care costs are a big part o the budget ormany people. It’s a act o lie — we’ve made amazing advances in medicine in the last 50 years,but they come with a big price tag. Medicare oers help with these costs. But making the rightchoice or you will take some thoughtul planning.
Getting started
Tip
A word to the wise: Don’t wait until later to learn about your options. I you wait, you may haveewer choices, and you may pay more. I you’re approaching 65 or have otherwise recently becomeeligible or Medicare, read this
Show Me Guide
now. It can help you decide which type o plan bestmeets your needs.

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