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Medical Insurance (Part B)

Medicare (Part B) is part of Original Medicare and covers services that are medically necessary to treat your health. It also covers part-time or intermittent home health and rehabilitative services, such as physical therapy; if they are directed by a doctor to treat your condition. As a new member to Medicare (Part B), you will be eligible for a one-time “Welcome to Medicare” physical exam. For a full list of preventive services
covered under Medicare (Part B), contact your Bridlewood agent. By law, Medicare Advantage plans must offer at least the same level of coverage as Original Medicare, and some plans include additional coverage not included in Original Medicare.

Advantage Plans (Part C)

Medicare (Part C) is known as “Medicare Advantage”, and is not a separate benefit. Medicare (Part C) is the part of Medicare policy that allows private health insurance companies to provide Medicare benefits. These Medicare private health plans, such as HMOs and PPOs, are again known as Medicare Advantage plans. Bridlewood allows you to get your Medicare coverage through a Medicare Advantage plan instead of Original Medicare.

You may also see Medicare Advantage plans called Special Needs Plans (SNP), Provider Sponsored Organizations (PSO) and Medicare Medical Savings Accounts (MSAs).

Prescription Drugs (Part D)

Eligible parties across the U.S. have the option of enrolling in a Medicare (Part D) plan to receive their prescription drug coverage. Medicare (Part D) plans are offered through private insurance companies that are contracted by Medicare, so costs and availability may differ between carriers and by location. Part D plans include stand-alone Prescription Drug Plans (PDPs) and Medicare Advantage Prescription Drug (MAPD) plans. Medicare requires that all beneficiaries have some sort of creditable drug coverage, which includes Medicare (Part D) plans and employer health coverage. It is recommended that beneficiaries enroll in a Medicare (Part D) plan when they are first eligible to avoid any late enrollment penalties.

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