Once eligible for Medicare coverage, individuals with disabilities have access to various coverage options to meet their healthcare needs. These options include: • Original Medicare (Parts A and B): Original Medicare provides coverage for hospital stays (Part A) and medical services (Part B), allowing individuals with disabilities to access a broad range of healthcare services from doctors, specialists, hospitals, and other providers. • Medicare Advantage (Part C): Medicare Advantage plans offer an alternative way to receive Medicare benefits through private insurance plans approved by Medicare. These plans often include additional benefits beyond Original Medicare, such as prescription drug coverage, dental, vision, and wellness programs. • Medicare Part D (Prescription Drug Coverage): Individuals with disabilities can enroll in a standalone Medicare Part D prescription drug plan to help cover the cost of prescription medications. Part D plans are offered by private insurance companies approved by Medicare and can be added to Original Medicare or included as part of a Medicare Advantage plan. • Medigap (Medicare Supplement Insurance): Medigap plans are supplemental insurance policies designed to fill the gaps in coverage left by Original Medicare. Individuals with disabilities may choose to purchase a Medigap plan to help cover out-of-pocket costs such as deductibles, coinsurance, and copayments. By understanding these coverage options, individuals with disabilities can make informed decisions about their Medicare coverage and choose the plan that best meets their healthcare needs and preferences. 9.2 Coverage Options Chapter 9: Medicare Coverage Options for Individuals with Disabilities In this chapter, we've explored Medicare coverage options specifically tailored to individuals with disabilities, including eligibility criteria and coverage options available. By understanding these options, individuals with disabilities can navigate the complexities of Medicare coverage effectively and access the healthcare services they need to maintain their health and well-being. 202404PMED1MDSIMPLE 24 www.Postal-Service-Health-Benefits-Program.com
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