![]() If you did not sign up for a Part D plan when you got your Part A and Part B coverage and you do not have another source of drug coverage that is at least as good as Part D coverage, be aware that you may be charged a late enrollment penalty. If you are covered under traditional Medicare and you want drug coverage, you can enroll in a stand-alone drug plan during the Medicare Open Enrollment period. Medicare Part D is the Medicare prescription drug benefit which is offered by private stand-alone prescription drug plans, sometimes called PDPs, and Medicare Advantage plans that cover drugs. If you have Part A and Part B already, and are covered under the traditional Medicare program, you do not need to sign up for a Medicare Advantage plan during Open Enrollment unless you want to get your Medicare benefits through a private plan. Most Medicare Advantage plans also cover prescription drugs and most also cover other services, such as vision, dental, and hearing benefits. If you enroll in a Medicare Advantage plan, you still have Medicare, but you get all of your Medicare-covered benefits through a private plan. However, Medicare Advantage Plans can also provide additional benefits that Original Medicare does not cover, such as routine vision or dental care.Medicare Part C plans, also known as Medicare Advantage plans, are private health insurance plans, mainly HMOs and PPOs, for people enrolled in Medicare. On the other hand, Medicare Advantage Plans typically have network restrictions, meaning that you will likely be more limited in your choice of doctors and hospitals. For instance, in Original Medicare, you are covered to go to nearly all doctors and hospitals in the country. How you choose to get your benefits and who you get them from can affect your out-of-pocket costs and where you can get your care. It is important to understand your Medicare coverage choices and to pick your coverage carefully. Each Medicare Advantage Plan must provide all Part A and Part B services covered by Original Medicare, but they can do so with different rules, costs, and restrictions that can affect how and when you receive care. This means that you must still pay your monthly Part B premium (and your Part A premium, if you have one). Remember, you still have Medicare if you enroll in a Medicare Advantage Plan. Instead of Original Medicare, you can decide to get your Medicare benefits from a Medicare Advantage Plan, also called Part C or Medicare private health plan. Unless you choose otherwise, you will have Original Medicare. Note: There are a number of government programs that may help reduce your health care and prescription drug costs if you meet the eligibility requirements. If you want prescription drug coverage with Original Medicare, in most cases you will need to actively choose and join a stand-alone Medicare private drug plan (PDP). There are limits on the amounts that doctors and hospitals can charge for your care.You typically pay a coinsurance for each service you receive.You are responsible for a monthly premium for Part B. ![]() You do not need to get prior permission/authorization from Medicare or your primary care doctor. You go directly to the doctor or hospital when you need care.You can see any doctor and hospital that takes Medicare (and most do) anywhere in the country. Under Original Medicare, the government pays directly for the health care services you receive. It is sometimes called Traditional Medicare or Fee-for-Service (FFS) Medicare. Most beneficiaries choose to receive their Part A and B benefits through Original Medicare, the traditional fee-for-service program offered directly through the federal government. Generally, the different parts of Medicare help cover specific services. Part D provides prescription drug coverage.Part C offers an alternate way to receive your Medicare benefits (see below for more information).Part B provides outpatient/medical coverage. ![]()
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