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I read an advertisement for a Medicare plan the other day.
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There are alot of these ads right now because this is an open enrollment period.
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Between now and Dec. 31st 2008 you can stay with your plan or switch.
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I really had to work at getting a clear picture of all this.
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Part A helps cover inpatient care in hospitals, as well as skilled nursing facility,
hospice and home health care.
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Part B helps cover doctor’s service and outpatient care and some preventive services.
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An example of this would be colorectal cancer screenings, bone density test, Lab services and the like.
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Part D offers prescription drug coverage to everyone with Medicare.
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There are two ways to get Part D .
1. Medicare prescription Drug  plans.
2. Medicare Advantage plans.
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Sounds pretty simple, well its not, also the pharase “helps pay” is used often.That’s exactly what it does - it helps.
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I found that being with an HMO, namely Kaiser, and joining their Senior Advantage
program worked the best for me.
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I was already with Kaiser before I turned 65 so alot of the work was already taken care of. They send me a update once a year and it is easy to understand.
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I’ll have another example of this mess in a future post.
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