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  • 1.  What type of Medicare coverage are you looking for?

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  • 2.  How do you prefer to get your Medicare coverage?

    Medicare coverage through the federal government is known as Original Medicare. It includes insurance to cover hospital stays and doctor visits. You can choose to purchase additional coverage separately.

     

    Comparable Medicare coverage through a private company such as Aetna is called Medicare Advantage. It includes hospital insurance, medical insurance and may have coverage for additional benefits you can’t get with Original Medicare.

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  • 3.  How important is choice when it comes to visiting doctors and hospitals? 

    Insurance companies negotiate discounted rates with groups of doctors, hospitals and other health care providers. These groups are known as networks. Some plans require you to use a doctor or hospital in its network. Going to a provider outside the network may cost you more.

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  • 4.  How would you prefer to have your prescription drug needs covered?

    Medicare may impose a penalty on prescription drug plan premiums if you don’t enroll during your initial enrollment period. 

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  • 5.  How do you prefer to manage your health care costs?

    Out-of-pocket costs are expenses that you must pay for Medicare-covered services. These costs depend on the type of coverage you have. They can include premiums, copayments, coinsurance and deductibles.

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Based on your answers so far, Original Medicare may be a good fit for your needs. Let’s see if additional coverage may be right for you.

  • 6. Original Medicare has expenses like deductibles and coinsurance. Do you want help covering these expenses?

    Out-of-pocket costs are expenses that you must pay for Medicare-covered services. These costs depend on the type of coverage you have. They can include premiums, copayments, coinsurance and deductibles.

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  • 7.  Original Medicare alone doesn’t include prescription drug coverage. Do you want help covering the cost of your prescription drugs?

    Medicare may impose a penalty on prescription drug plan premiums purchased if you don’t enroll during your initial enrollment period.

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