{"id":93,"date":"2025-08-04T17:20:55","date_gmt":"2025-08-04T17:20:55","guid":{"rendered":"https:\/\/reynoldsinsuranceagencyllc.com\/?page_id=93"},"modified":"2025-08-04T17:20:55","modified_gmt":"2025-08-04T17:20:55","slug":"medicare","status":"publish","type":"page","link":"https:\/\/reynoldsinsuranceagencyllc.com\/?page_id=93","title":{"rendered":"Medicare"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">How Medicare Works<\/h2>\n\n\n\n<p>Medicare is divided into four main parts, each covering different aspects of healthcare:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Part A \u2013 Hospital Coverage<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Covers inpatient hospital stays, skilled nursing facility care, hospice services, and limited home health care.<\/li>\n\n\n\n<li>Most people don\u2019t pay a premium for Part A if they or their spouse paid Medicare taxes while working.<\/li>\n\n\n\n<li>You are still responsible for deductibles and coinsurance for certain services.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Part B \u2013 Medical Coverage<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Covers doctor visits, outpatient care, preventive services, and certain medical supplies.<\/li>\n\n\n\n<li>You pay a monthly premium for Part B, which can vary based on income.<\/li>\n\n\n\n<li>There is also an annual deductible and coinsurance (typically 20% of approved costs).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Part C \u2013 Medicare Advantage Plans<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offered by private insurance companies approved by Medicare.<\/li>\n\n\n\n<li>Combines Parts A and B, and often includes prescription drug coverage, dental, vision, hearing, wellness programs, and other benefits not covered by Original Medicare.<\/li>\n\n\n\n<li>Costs, networks, and benefits vary by plan.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Part D \u2013 Prescription Drug Coverage<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Helps cover the cost of prescription medications.<\/li>\n\n\n\n<li>Available as a stand-alone plan (to pair with Original Medicare) or included in many Medicare Advantage plans.<\/li>\n\n\n\n<li>Plans have different drug formularies, premiums, and copay structures.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Gaps in Original Medicare<\/h2>\n\n\n\n<p>Original Medicare (Parts A &amp; B) does not cover:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Most prescription drugs<\/li>\n\n\n\n<li>Routine dental, vision, or hearing care<\/li>\n\n\n\n<li>Long-term custodial care<\/li>\n\n\n\n<li>Certain international travel medical costs<\/li>\n<\/ul>\n\n\n\n<p>To help cover these gaps, you may consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medicare Supplement Plans (Medigap):<\/strong> Helps pay for deductibles, coinsurance, and copayments.<\/li>\n\n\n\n<li><strong>Medicare Advantage Plans:<\/strong> May include extra benefits and combine coverage into a single plan.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Enrollment Periods \u2013 Don\u2019t Miss Your Window<\/h2>\n\n\n\n<p>Enrolling at the right time is crucial to avoid late penalties and gaps in coverage.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Initial Enrollment Period (IEP):<\/strong> A 7-month window starting 3 months before you turn 65 and ending 3 months after your birthday month.<\/li>\n\n\n\n<li><strong>Annual Enrollment Period (AEP):<\/strong> October 15 \u2013 December 7 each year. You can switch, drop, or add coverage during this time.<\/li>\n\n\n\n<li><strong>Special Enrollment Period (SEP):<\/strong> Available if you experience certain life changes, such as moving or losing other health coverage.<\/li>\n\n\n\n<li><strong>Medicare Advantage Open Enrollment Period:<\/strong> January 1 \u2013 March 31 each year, allowing you to switch to another Medicare Advantage plan or return to Original Medicare.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>How Medicare Works Medicare is divided into four main parts, each covering different aspects of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-93","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=\/wp\/v2\/pages\/93","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=93"}],"version-history":[{"count":1,"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=\/wp\/v2\/pages\/93\/revisions"}],"predecessor-version":[{"id":94,"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=\/wp\/v2\/pages\/93\/revisions\/94"}],"wp:attachment":[{"href":"https:\/\/reynoldsinsuranceagencyllc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=93"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}