{"id":14801,"date":"2022-10-15T12:28:40","date_gmt":"2022-10-15T22:28:40","guid":{"rendered":"http:\/\/thefilipinochronicle.com\/backup\/?p=14801"},"modified":"2022-10-15T12:28:41","modified_gmt":"2022-10-15T22:28:41","slug":"how-well-do-you-know-medicare","status":"publish","type":"post","link":"https:\/\/thefilipinochronicle.com\/backup\/2022\/10\/15\/how-well-do-you-know-medicare\/","title":{"rendered":"How Well Do You Know Medicare?"},"content":{"rendered":"\n
\"\"<\/figure><\/div>\n\n\n\n

by Rhea Bautista MD, Associate Director, Hana Hou Medical Group
<\/em>
Guess which statements are TRUE or FALSE.

1.<\/strong> There are four parts of Medicare \u2013 TRUE<\/strong>
A. Provided by the government<\/strong> (Original Medicare)
Part A \u2013 Hospital Insurance which helps cover: (1) Hospital stay, (2) Skilled nursing facility, (3) Hospice care and (4) Home health care
Part B \u2013 Medical Insurance which helps cover: (1) Doctors visits, vaccines and yearly \u201cWellness\u201d visits, (2) Home health care, and (3) Wheelchairs, walkers, hospital beds and other equipment

B. Provided by private<\/strong> insurance companies
Part C \u2013 Medicare Advantage
Part D \u2013 Prescription drug plans

2.<\/strong> Medicare covers everything \u2013 FALSE<\/strong>
Medicare Parts A and B do not cover (1) Prescription drugs (only covers basic), (2) Dental, Vision or Hearing services, (3) Fitness, (4) Dentures, (5) Long-term care, (6) Cosmetic surgery, (7) Massage therapy, (8) Routine physical exams, (9) Hearing aids and exams for fitting them, (10) Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice or direct care), and (11) Covered items or services you get from an opt-out doctor or other provider (except in the case of an emergency or urgent need)

3.<\/strong> Medicare Part B is Free \u2013 FALSE<\/strong>
You pay: (1) Premiums, (2) Deductibles, (3) Copays, and (4) Coinsurance out of pocket.

4.<\/strong> Medicare does not cover Prescription Drugs \u2013 TRUE<\/strong>
Basic Drug coverage only

5.<\/strong> You can enroll in Medicare whenever you want \u2013 FALSE<\/strong>
There are only three \u00a0times when you can enroll:

A. Initial Enrollment Period – Around the time you turn 65 years old
B. General Enrollment Period for Medicare Advantage – January 1 to March 31, 2023. Beginning January 1, 2023, when you sign up during this period, your coverage starts the first day of the month after you sign up
C. Open Enrollment Period – October 15 to December 7, 2022. You can switch to a different plan during this period. Plan will take effect January 1, 2023.

6.<\/strong> Medicare and Medicaid are the same thing \u2013 FALSE<\/strong>
Medicare and Medicaid are 2 different programs:

Medicare \u2013 health care coverage for people age 65 and over or those with a disability
Medicaid \u2013 health care coverage for people with low incomes and few resources

Some people are eligible for both

7.<\/strong> I can see my doctor via telehealth \u2013 TRUE<\/strong>
Medicare covers E-visits to allow you to talk with your doctor using an online patient portal without going to the doctor\u2019s office.

8.<\/strong> There are different types of Medicare Advantage Plans \u2013 TRUE<\/strong>
A. Health Maintenance Organization (HMO) plan
B. HMO Point of Service (HMOPOS) plan
C. Medical Saving Account (MSA) plans
D. Preferred Provider Organization (PPO) plan
E. Private Fee-for-Service (PFFS) plan
F. Special Needs Plan (SNP)

9.<\/strong> There are programs to help me pay for my Medicare health care costs \u2013 TRUE<\/strong>
There are 4 kinds of Medicare Savings Programs:

A. Qualified Medicare Beneficiary (QMB) Programs
B. Specified Low-Income Medicare Beneficiary (SLMB) Program
C. Qualifying Individual (QI) Program
D. Qualified Disabled and Working Individuals (QDWI) Program

10.<\/strong> Only senior age 65 or older are eligible for Medicare Part A & B \u2013 FALSE<\/strong>
Qualified individuals are eligible to apply for Medicare regardless of age.

A. Age 65 or older
B. Disabled
C. End-Stage Renal Disease (ESRD)

For more information regarding your Medicare benefits please email rhea.bautista@hanahoumedicalgroup.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

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