If you are starting to think about enrolling in Medicare, there are some important things you should know about your benefits. You’re likely eligible for Original Medicare, which includes Medicare Part A and Medicare Part B. It’s the minimum coverage required by the federal government and covers things like:
Inpatient hospital stays
Just sticking with Original Medicare, though, has some disadvantages — such as no limits on your out-of-pocket spending — even if you’ve met your deductible and your coinsurance (20% of the total bill) has kicked in. That means a hospital stay could still end up costing you thousands.
This is where Medicare Advantage, also called Medicare Part C, comes in to play. It includes everything that Original Medicare offers and a lot more — like prescription drug coverage, vision care, dental, hearing benefits, and coverage when you travel. And it limits your out-of-pocket spending.
Let’s take a closer look.
The Medicare Advantage (MA)
Medicare Advantage plans are health insurance plans that are offered through private companies like Highmark. These plans roll all your Medicare needs into one plan, so you only have to make one decision. Monthly premiums are typically low — with many plans having premiums as low as $0 per month — and they’re the same price for every person, regardless of age, health, or income. Medicare Advantage plans also give you control over your health care costs by capping your maximum out-of-pocket costs and protecting your savings.
Most Medicare Advantage plans are different, so be sure to pick one that has all the benefits you want or think you’ll need. Many of them include:
Dental coverage – most plans cover basic care, such as exams and fillings, while some also cover more extensive care including root canals, crowns, and dentures.
Eye care – most plans cover contacts and eyewear not covered by Original Medicare, which could save you a lot of out-of-pocket costs.
Over-the-counter medications – paying out-of-pockets for cold medicine and vitamins can really add up. Many plans cover these expenses.
Gym coverage – most plans offer fitness programs that cover the cost of gym memberships.
Clinical care teams – when you need specialty care, some plans offer clinical care teams that can coordinate your care, manage expenses, and much more.
Hearing aids – plans that include this feature help cut down your costs on exams and high-quality hearing aids, which could save you thousands of dollars.
Travel care – all MA plans include worldwide emergency care and some MA plans even cover routine care if you travel often or for long periods of time. Gain peace of mind knowing both your emergency and routine care needs are covered worldwide.
Chronic diseases – additional care and benefits for chronic diseases like diabetes.
Highmark Personal Medicare Advisors are happy to help — online, inperson, or over the phone.
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Highmark Choice Company, Highmark Senior Health Company, and Highmark Senior Solutions Company are Medicare Advantage plans with a Medicare contract. HM Health Insurance Company is a PDP plan with a Medicare contract. Enrollment in Highmark Choice Company, Highmark Senior Health Company, Highmark Senior Solutions Company, and HM Health Insurance Company depends on contract renewal.
Health benefits or health benefit administration may be provided by or through Highmark Blue Cross Blue Shield, Highmark Choice Company, Highmark Senior Health Company, Highmark Senior Solutions Company, or Highmark Health Insurance Company, all of which are independent licensees of the Blue Cross Blue Shield Association. All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration.
All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration and/or to one or more of its affiliated Blue companies. This website is operated by Highmark, Inc. and is not the Health Insurance Marketplace website. It also does not display all Qualified Health Plans available through the Health Insurance Marketplace website. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov.
Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield Association: Western and Northeastern PA: Highmark Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Choice Company, Highmark Health Insurance Company, Highmark Coverage Advantage Inc., Highmark Benefits Group Inc., First Priority Health, First Priority Life or Highmark Senior Health Company. Central and Southeastern PA: Highmark Inc. d/b/a Highmark Blue Shield, Highmark Benefits Group Inc., Highmark Health Insurance Company, Highmark Choice Company or Highmark Senior Health Company. PA: Your plan may not cover all your health care expenses. Read your plan materials carefully to determine which health care services are covered. For more information, call the number on the back of your member ID card or, if not a member, call 866-459-4418. Delaware: Highmark BCBSD Inc. d/b/a Highmark Blue Cross Blue Shield. West Virginia: Highmark West Virginia Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Health Insurance Company or Highmark Senior Solutions Company. Visit our website to view the Access Plan required by the Health Benefit Plan Network Access and Adequacy Act. You may also request a copy by contacting us at the number on the back of your ID card. Western NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Cross Blue Shield. Northeastern NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Shield.
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