| Tue, Oct 17, 2017 @ 09:00 AM

What Kind of Medicare Coverage Do You Have? It’s in the Cards

Posted by Medicare Made Clear

Senior woman reading tabletYou arrive for an appointment with your doctor and the receptionist asks for your insurance card. The card you hand over could tell you a lot about your Medicare and other coverage.

If You Show Your Medicare Card

Your red, white and blue Medicare card is proof that you have Medicare coverage. It acts as your insurance card when you have Original Medicare (Parts A and B). You may also have other cards depending on additional coverage you may have.

Which of the following is in your wallet?

 medicare card Card: You use your Medicare card whenever you get medical care.

Coverage: You probably have Original Medicare (Parts A and B), which is provided by the federal government.

 medicare card front back Card: You have a separate card for prescription drugs.

Coverage: You may have a standalone Medicare Part D prescription drug plan from a private insurance company. These plans help with the cost of medications. Original Medicare does not cover prescription drugs.

 supplementplus card Card: You use your Medicare card plus another card for medical care.

Coverage: You probably have a Medicare supplement insurance plan (Medigap) from a private insurance company. This plan helps pay some costs not paid by Original Medicare Parts A and B, such as co-pays.

 medicare three cards Card: You have three health insurance cards.

Coverage: You may have Original Medicare, a standalone Medicare Part D prescription drug plan, and a Medicare supplement insurance plan. Together, these three may cover most of your health care costs.

If You Don’t Show Your Medicare Card Your Medicare card is not used as your actual insurance card when you have a Medicare Advantage plan. These plans are another way to get your Medicare benefits. They cover everything Original Medicare (Parts A and B) covers. Many also offer additional benefits, such as coverage for prescription drugs and vision, dental and hearing care.

Do you carry just one insurance card or two? Look for your situation below.

 medicare healthplan1 Card: You use a separate insurance card instead of your Medicare card when you get medical care.

Coverage: You probably have a Medicare Advantage plan from a private insurance company approved by Medicare. 

 medicare healthplan2 Card: You use the same card when you get medical care and when you buy prescription drugs.

Coverage: You probably have a Medicare Advantage plan that includes prescription drug coverage.

 medicare healthplan medicare rx plans Card: You use one card when you get medical care and a separate card for prescription drugs.

Coverage: You may have a special type of Medicare Advantage plan. It could be a Private Fee-For-Service plan or a Medical Savings Account plan. You may also have a standalone Medicare Part D prescription drug plan.

Conclusion

The insurance cards you carry could be a clue to understanding more about your Medicare coverage. The cards shown here are just for illustration. Your actual cards may look different from these.

Remember to keep your red, white and blue Medicare card in a safe place. You don’t need to carry it with you if you have a Medicare Advantage plan.

You may want to talk with your plan sponsor about any questions you have. The customer service number is usually on the back of your insurance card.

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Medicare Advantage or Medicare Supplement Insurance?

Say Bye-Bye to Social Security Numbers on Medicare Cards

Medicare vs Medicaid

For more information, explore MedicareMadeClear.com or contact the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048

 

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