4 Important Medicare Gaps You Need to Know About While many people are familiar with the coverage Medicare provides, it’s equally important to understand what it doesn’t cover. Here are four key areas where Medicare falls short: Prescription Drugs: Original Medicare doesn’t include prescription drug coverage. However, you can add this coverage through Medicare Part D or choose a Medicare Advantage plan, which bundles both medical and drug coverage. Long-Term Care: Medicare covers certain nursing services but doesn’t provide for custodial care, such as assistance with daily activities like bathing and dressing. For this type of care, long-term care insurance is your best option. Deductibles and Copays: Even with Medicare Part A and Part B covering some hospital stays and

In today’s world, where technology is everywhere, it can be difficult to tell if you’re falling victim to a scam. When it comes to your health, however, scams and fraud can have a serious impact on your peace of mind and overall well-being. As we begin the New Year, here are some simple yet effective steps you can take to protect yourself from Medicare scams: Stay Alert for Suspicious Activity Be vigilant and trust your instincts. If something feels off, take a moment to assess the situation. Scammers often rely on pressure and urgency, so don’t hesitate to pause and question their motives. Ask Questions and Seek Trusted Advice If you’re ever uncertain, ask questions. Whether it’s about a phone

Are you confident that you’re maximizing the value of your health care coverage? With the amount of money you invest in insurance, it’s crucial to ensure you’re getting the care and benefits you deserve. At Health Plan Market, we understand how important it is to make the most of your plan. That’s why we’ve put together three essential tips to help you navigate your health coverage: 1. Understand Your BenefitsMake sure you’re fully aware of all the services included in your plan. Don’t forget to check what should be covered by your insurance so you can avoid paying for unnecessary services that are already part of your coverage. 2. Choose an In-Network PhysicianVisiting out-of-network doctors can lead to higher costs

Health insurance can be a complex topic, and while many people recognize its importance, few truly understand how it works. At Health Plans of America, we aim to simplify the process and help you better grasp the basics of health insurance. First, it’s essential to know that depending on the type of health insurance you have, costs are handled in different ways. The insured may pay out-of-pocket, receive reimbursement, or the insurer may directly pay the healthcare provider. There are two primary categories of health insurance: private and public (government-funded). Within these categories, there are various organizations that manage medical care for the insured. Two common types are: If your employer or union offers health insurance, that can be an

Are you among the many individuals looking to change your Medicare coverage? Many people make this decision to improve access to their healthcare providers or gain coverage for specific medications. Whatever your reason for making the switch, there are a few key things to know before you proceed: If you have more questions or need guidance, Health Plans of America is here to help. Our site connects you to licensed insurance professionals who offer valuable information and resources to help you make informed decisions. Connect today!

Many people your age are wondering when they should enroll in Medicare. Here at Health Plans of America, we are here to provide you with the information you need to make the best choices.  The first thing to note, the best time to enroll is around your 65th birthday, but give yourself plenty of time before then to enroll so your Medicare coverage kicks in by the time you turn 65. We suggest enrolling approximately three months before your birthday, so if you enroll between January through March, April is when your coverage will be effective. It may seem like a nuisance to be particular about these dates, but it’s more important to stay on top of these things than