Medicare Advantage Plans Beckley, West Virginia

If you live in Beckley, West Virginia, and are new to Medicare, you need to know your choices. A combination of Medicare Advantage, prescription drug, and Medigap plans are available.  

 Depending on your medical requirements, you can get complete coverage through a Medigap (Medicare Supplement) plan. Enrollment into any of the Medicare supplements requires eligibility for Medicare. 

 You become eligible at age 65. Your initial enrollment period for Medicare begins three months before your birth month and continues for three months after.

 This is not to be mixed up with Medicare open enrollment or the annual enrollment period, which is an annual window from October 15 to December 7. You can reassess your coverage and make modifications if needed during this time.

 If you’re under 65 but enrolled in Medicare because you’re getting Social Security benefits, you’ll get coverage on your 25th month of disability. Once your Part B benefits take effect, your seven-month window will begin.

Medigap Plans in beckley

Medicare Advantage Plans Beckley West Virginia

There are “gaps” in Original Medicare coverage or things you must pay because Medicare does not. These are generally deductibles and copays, but Medicare leaves other costs behind. This is where a Medigap plan becomes applicable.  

 Costs covered by Medigap may contain: 

  • Hospice care
  • Part B deductible
  • Skilled nursing facility care
  • Medicare Part A deductible
  • Medical costs obtained while traveling abroad
  • First three pints of blood for a blood transfusion
  • Coinsurance and hospital costs after Part A’s deductible
  • Part B surplus charges (the difference between what a doctor can charge and the Medicare-approved amount)

 Some plans cap the amount of out-of-pocket expenses applied to Medicare.

 Open enrollment for Medigap starts the first day you are 65 and enrolled in Medicare Part B and ends six months after. This is the best time to buy a Medicare Supplement because you can enroll without having to answer any health questions, and it’s a guaranteed issue.

 You can enroll in a Medigap plan soon after you’re enrolled in Part B. However, you’ll be exposed to health questions following open enrollment. 

 Call Songer Benefits to confirm your eligibility if you’re under 65 but enrolled in Medicare.