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It compares Original Medicare options with supplement and stand-alone Part D versus Medicare Advantage, including key cost concepts like deductibles, co-pays, coinsurance, and out-of-pocket limits. 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It also provides  \nhealth insurance for individuals with  \nGeing Started  \npermanent kidney failure requiring dialysis or a transplant (ESRD) or those with ALS.  \nWhile Medicare can seem like a di􀀝cult topic to approach when planning for retirement, learning some core concepts can help you better select which Medicare is best for you based on your current and potential future health needs.  \nMedicare is made up of four di􀀞erent parts. Each part helps cover di􀀞erent types of health services. This guide will hopefully increase your understanding of the benefits and services Medicare helps pay for as well as monthly premium costs you may need to take into consideration.  \nMedicare Part A Hospital Insurance  \nMedicare Part A is also called “Hospital Insurance.” It helps cover  \nMedicare Cheat Sheet • 2  \ninpatient care in hospitals and skilled nursing facilities in addition to providing benefits for end-of-life care.  \nWhile it does cover most hospital bills, Part A does not pay all costs.  \nIn general, you must meet a deductible for each hospital stay before Medicare begins to pay it’s share. You will also have a co-payment for hospital stays beyond a certain number of days. Because of this, many choose to buy a Medigap (supplement) plan, discussed in detail later, to help pay these costs.  \nMedicare Part B Medical Insurance  \nMedicare Part B is also called “Medical Insurance.” It helps cover doctors’ and other providers’ services, including some drugs administered by your doctor, outpatient care, durable medical equipment and certain home health services.  \nLike Part A, Part B does not cover all costs.  \nYou will likely need to meet a yearly deductible before Medicare begins to pay it’s share. After meeting the deductible, you are typically responsible for a 20% co-pay. Just like with Part A, a Medigap (supplement) plan may help pay these costs.  \nMedicare Part C  Medicare Advantage  \nMedicare Advantage, also known as Medicare Part C, is an option to get Part A & B through a private health plan. Many also provide prescription drug coverage similar to Part D and other extra benefits such as dental-for an extra cost, of course.  \nMedicare Part D Prescription Drugs  \nMedicare Part D is an optional benefit that helps cover some costs of prescription drugs. Even if you don’t use a prescription now, you should still consider getting Part D because if you do not join a plan when first eligible, you will likely pay a penalty when joining later.  \nMedicare Cheat Sheet • 3  \nTinhtheeRark  \nWhen you start Medicare, it is like coming to a fork in the road. There are  \none of two ways that you can go:  \nOriginal Medicare  \nwith a medicare supplement and a stand alone Part D (Pharmacy Plan)  \nMedicare Advantage  \nalso known as Medicare Part C  \nBefore deciding between the two main paths, you need to sign up for Medicare Parts A & B. If you do  \nMedicare Advantage  \nOriginal  \nMedicare + SUPPLEMENT  \n+ PARTD  \nnot sign up for Medicare Parts A & B when you are eligible, you could be fined unless you have proof of creditable coverage.  \nOriginal Medicare  \n(with a supplement)  \nCosts  \nA traditional Medicare plan provides good, basic health coverage. The reason we like to look at a supplemental insurance is it fills the gaps in Part A and Part B and also because traditional Medicare only pays around 80% of costs.  \n* These are industry averages from 2020 and may not be accurate  \nMedicare Cheat Sheet • 4 foryour situation. Pl","cbCaipidWwLJmbbW","https://ap.wps.com/l/cbCaipidWwLJmbbW","pdf",7568929,28,"English","# Getting Started\n## The Fork in the Road\n## Comparing Your Options\n## Eligibility & Enrollment\n## Understanding Original Medicare\n## Understanding Medicare Advantage\n## Prescription Drug Coverage\n## Medigap\n## Why Not Medicaid\n## About Coach Pete","[{\"question\":\"Who is eligible for Medicare?\",\"answer\":\"Medicare helps provide health insurance for those aged 65 and over, as well as those under 65 with certain disabilities such as ESRD requiring dialysis or transplant, or ALS.\"},{\"question\":\"What are the main differences between Original Medicare and Medicare Advantage?\",\"answer\":\"Original Medicare includes Part A and Part B and can be paired with a Medigap supplement plus a stand-alone Part D. Medicare Advantage (Part C) routes Part A and B through a private plan and often includes Part D, with network limits and different change timing.\"},{\"question\":\"Why consider joining Part D when you’re first eligible?\",\"answer\":\"Part D is optional, but joining when first eligible helps avoid penalties later if you do not enroll at the appropriate time.\"}]","Medicare Cheat Sheet - everything you wanted to know about medicare but were afraid to ask | PDF",1791930221,10]