Medicare is a federal health insurance program that is managed by the Centers for Medicare & Medicaid Services (CMS). It offers coverage for medical and hospital services (Part A and Part B). However, beneficiaries have the option to sign up for a Medicare Advantage plan, which often includes prescription drug coverage along with supplemental benefits (dental, vision, hearing, and more).

When am I eligible for Medicare?

You are eligible to receive benefits from the federal Medicare program if any of the following situations apply to you: You are 65 You have End-Stage Renal Disease (ESRD) You are not yet 65 but have been receiving disability benefits from Social Security to the Railroad Retirement Board (RRB) for 24 months You have ALS (amyotrophic lateral sclerosis, also called Lou Gehrig's disease) For more information on Medicare eligibility, we recommend that you download a free copy of our Clever Guide to Medicare .

What are my Medicare coverage options?

When it comes to Medicare coverage, there are countless options available. Choosing the right plan depends on your personal needs and budget. Clever Care Medicare Advisors are available to help find the Medicare coverage option that is best for you. Call (833) 721-4365 (TTY: 711) to speak to a Medicare Advisor.

What is Medicare Advantage?

Medicare Advantage (also known as Medicare Part C) includes the hospital and medical coverage benefits of Original Medicare (Part A and Part B), plus some additional supplemental benefits. If the Medicare Advantage plan also includes prescription drug coverage, that's called a Medicare Advantage and Prescription Drug plan (MA-PD). These plans offer the coverage benefits of Original Medicare (Part A and Part B), along with additional benefits AND prescription drug coverage.

Will Original Medicare cover all my expenses?

Original Medicare will not cover all your medical expenses. This is why many people will pay for additional supplemental coverage or join a Medicare Advantage plan offered by a private insurance company.

Are prescription drugs covered under Original Medicare?

Yes and No. Part A covers certain medications during hospitalization. Routine prescriptions are not covered. You will need to purchase A Part D plan to cover brand-name and generic prescriptions. Prescription Drug coverage is usually included in a Medicare Advantage plan at no additional cost.

Can I keep my doctor and hospital after I enroll in Medicare?

With Original Medicare you can use any Medicare-approved doctor or hospital. With a Medicare Advantage plan, you are required to use any doctor or hospital in the plan’s network.

When will my Medicare coverage become effective?

The effective date of your Medicare coverage depends on your enrollment date. If you are enrolling during your Initial Enrollment Period, your coverage begins as early as the first day of your birthday month. If you are switching plans during the Annual Enrollment Period (from October 15 to December 7), your coverage begins on January 1.

What if I don’t enroll at 65 because I have an employer sponsored health plan?

If you are still working and have coverage through an employer, you may not have to pay a late-enrollment penalty for not signing up at age 65. Talk to your employer benefits administrator.

2023 Medicare FAQ - Clever Care Health Plan

Medicare란?

Medicare는 의료 및 병원 서비스(파트 A 및 파트 B)에 대한 보장을 제공하는 Medicare 및 Medicaid 서비스 센터(CMS)에서 관리하는 연방 건강보험 프로그램입니다.

Medicare는 의료 서비스(파트 A) 및 병원 서비스(파트 B)에 대한 보장을 제공합니다.

그러나, 수혜자는 부가 혜택(치과, 시력, 청력 등)과 함께 처방약 보장을 포함하는 Medicare Advantage 플랜에도 가입할 수 있습니다.

Medicare 가입 자격은 언제 생깁니까?

65세이거나 특정 자격 기준을 충족하는 경우 Medicare 혜택을 받을 자격이 생깁니다.

아직 65세가 아닌 경우에도 Medicare 가입 자격이 있을 수 있습니다.

말기 신장 질환(ESRD)을 앓고 있거나, 24개월 동안 장애 혜택을 받고 있거나, ALS를 앓고 있으면 자격이 될 수 있습니다. Clever Medicare 가이드에서 자세히 알아보십시오.

자세히 알아보기

Medicare 보장 옵션은 무엇입니까?

Medicare 보장에서 이용할 수 있는 옵션은 셀 수 없이 많습니다.

적절한 플랜을 선택하는 것은 개인의 필요와 예산에 따라 달라집니다.

Clever Care Medicare 보험 상담사를 이용하시면 가장 적합한 Medicare 보장 옵션을 찾는 데 도움을 받으실 수 있습니다.

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Medicare FAQ

Medicare에 대해 가장 자주 묻는 질문에 대한 답변을 확인하십시오.

Medicare란?

Medicare는 의료 서비스(파트 A) 및 병원 서비스(파트 B)에 대한 보장을 제공합니다.

Medicare 가입 자격은 언제 생깁니까?

아직 65세가 아닌 경우에도 Medicare 가입 자격이 있을 수 있습니다.

Medicare 보장 옵션은 무엇입니까?

적절한 플랜을 선택하는 것은 개인의 필요와 예산에 따라 달라집니다.

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