Medicare Advice Rockville Maryland

Medicare Education

Medicare Ph.D. is an educational resource for those approaching Medicare eligibility. Our live webinars and YouTube channel are part of an overall educational program designed to help you make critical decisions regarding your health insurance options. The lack of ‘simple to understand’ material inspires our community outreach effort to help those when signing up for Medicare.

Medicare Webinar Series.

Welcome to Medicare Ph.D.! If you are nearing eligibility to sign up for Medicare benefits, click on the link below to uncover the details.  Learn how to avoid common pitfalls such as when to enroll without a penalty, what to do if you are still working, and receiving healthcare benefits along with the many coverage options.

Medicare Parts & How They Work

Medicare Part A (Hospital)

In general, Part A covers:

*Inpatient care in a hospital

*Skilled nursing facility care

*Nursing home care (inpatient care in a skilled nursing facility that’s not custodial or long-term care)

*Hospice care

*Home health care

Medicare Part B (Medical)

Part B covers two types of services

*Medically necessary services – services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.

*Preventive services – health care to prevent illness (like the flu and hopefully COVID-19 soon) or detect it at an early stage, when treatment is most likely to work best.

 

Medicare Part D (Prescription)

Medicare prescription drug coverage is an optional benefit offered to everyone who has Medicare.  To get Medicare drug coverage, you must join a Medicare plan that offers prescription drug coverage.  Each plan can vary in cost and the drugs covered.

There are two ways to obtain prescription drug coverage:

*Medicare Prescription Drug Plan (Part D)

*Medicare Advantage Plan (Part C) like an HMO or PPO

Medicare Advantage Plans

Medicare Advantage (also known as Medicare Part C) is an alternative to Original Medicare. These bundled plans include Part A, Part B, and usually Part D. They also may offer extra benefits Original Medicare doesn’t cover.