Can I Combine My Medicare Coverage?





Medicare coverage now offers many options that were currently covered only under supplemental plans. An individual can refuse to take Medicare Parts A, B, and D or take all of them. He can also combine the coverage to meet his needs.

You can combine your Medicare coverage fairly easily, but a base understanding of what each part covers will help a person find an effective strategy. There are also options to combine options and use a Medigap plan to fill additional holes in your coverage.

Medicare Parts A, B, and D

Medicare Part A covers the hospitalization services, but does not cover outpatient items, doctors’ visits or durable medical equipment. The latter items fall under Part B. Part D added a prescription drug plan for seniors that covers any medication prescribed by a doctor that is on the list.

These three services cover almost everything that a person will ever need, but sometimes a person has coverage from a pension plan or can afford insurance on his own. He can drop the parts that he does not need or add parts that he does.

You Can Combine Medicare Parts, But Should You?

The only reason not to combine Medicare coverage is if a person has better coverage from another source. Many Medigap plans sold prior to 2005 offered prescription coverage. The program now offered by Medicare generally cover far more drugs than the supplemental plans ever did.

Generous pension plans may provide better overall health insurance coverage, and it is possible for a person to have both Medicare coverage and a private insurance coverage plan if he or she can afford the cost of both. As always, review the options that each Medicare part and insurance policy covers before making a decision. Insurance advisers can help a person make the choice that is correct for him.



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