The short answer to the question do you have to pay for Medicare Part B if you have an advantage plan is “No”. Part A of Medicare covers medical expenses that are required by the government through a contract with the service provider. Part B is a supplement to the primary Medicare coverage and provides coverage for outpatient care, skilled nursing facility services and emergency care. If you have an Advantage plan, your Medicare Part B premiums will be lower than if you had no coverage at all. Part A premiums are automatically paid for as long as you have the coverage, but if you choose not to participate in Medicare Part A you will have to pay all of your own costs for receiving medical care.
There are various types of Medicare Advantage Plans available to member of the Medicare Advantage Program. These include Medigap plans and the regular Medicare programs. These plans cover items that are not covered under the original Medicare program. This can include everything from eye glasses and hearing aids to wheelchair accessories and cosmetic surgery.
Most people automatically think that if they have Part A of Medicare they will automatically have Part B, but that is not always the case. If you have an Advantage Plan and are also covered by Medicare Part A, Medicare Part B may cover everything that Medicare does not. This means that if you choose a Medigap plan or an Advantage plan, you will only have to pay the difference in premiums between what Medicare covers and what your supplemental plan pays. Some Medigap plans and some Advantage plans also provide coverage for prescription eyeglasses. In this case you would not have to pay the additional premiums associated with that benefit.
In order to determine whether or not you qualify for Medicare benefits that you are entitled to receive, you will have to submit a Medicare eligibility questionnaire. You will need to specify certain information about your current medical conditions as well as information related to your past. For instance, you will have to tell the Medicare representative about any eye or other health conditions that you currently have or had. You will also have to provide details about your employment history. The plan selects the appropriate Medigap plan based on the information that you provide. It does not take into consideration prior health problems or prior educational requirements that may affect your eligibility for the plan.
When you are deciding on which plan to select, remember that Medicare Part A and Part B go hand-in-hand. Your premium for each plan will be determined by your age, your gender, your annual income, and your family’s income as well. In order to decide whether you qualify for one of these two programs, you will need to fill out the appropriate forms. Once your application is completed, it will then be reviewed by Medicare representatives. If you do qualify for Medicare benefits, your premiums will be determined by your current plan and the Medicare Advantage plan that you selected.
Medicare Part A coverage is more flexible than Part B. It covers the most common needs associated with staying on active duty in the military. Medicare Part A premiums are normally lower than those for Part B. In addition, Medicare Part A will cover your spouses’ Medicare benefits as well as yourself. In order to be eligible for Medicare Part A, you must be a member of the uniformed services.