Adler Insurance is your Prescott Medicare specialist and can help you unravel your Medicare options.

If you’re 65 or older, you have probably learned about Medicare Parts A and B, but are you familiar with Medicare Part F? Adler Insurance, Prescott’s independent Medicare broker, talks about why the extensive coverage provided by Medicare Part F makes this such a popular plan.

It’s possible for beneficiaries to be left with no or only minimal hospital and medical debt because Part F covers most remaining hospital and doctor costs after Original Medicare (Part A and Part B) has paid its share.

Regardless of your location, you can expect the same exact basic benefits for a Part F supplement sold anywhere in your state. Even though the basic coverage is the same, premium costs may vary.

For those who don’t mind paying for out-of-pocket costs up front, there is also a different high deductible Part F choice. This variant of the regular Part F requires beneficiaries to pay every out-of-pocket expense till the deductible is reached (which for 2018 is $2,240). After meeting the deductible, the high-deductible Part F starts to pay for Medicare-covered costs.

What does not change between the standard Part F and the high-deductible Part F option are the basic benefits:   

  • Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted
  • Part A hospice care copayment or coinsurance
  • Part B coinsurance
  • Part B excess charges
  • Part A deductible   
  • Part B deductible   
  • First three pints of blood used in an approved medical procedure (annually)   
  • Foreign travel emergency coverage (80%, up to plan limits)
  • Skilled nursing facility coinsurance

   
If you see a doctor frequently, or you require a lot of health-care services, or are facing mounting out-of-pocket expenses, the comprehensive coverage of Part F generally offers the most help with your Original Medicare costs.

Still wondering what is the right Medicare plan for you? Call the experts at Adler Insurance today at 928-710-1455 to learn more about Medicare Part F or any Medigap plan coverage available to Prescott residents. Learn more at http://www.adlerlifehealth.com.

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