{"id":1285,"date":"2022-02-01T16:11:10","date_gmt":"2022-02-01T20:11:10","guid":{"rendered":"https:\/\/rcgroupbenefits.com\/?p=1285"},"modified":"2022-02-01T16:34:37","modified_gmt":"2022-02-01T20:34:37","slug":"understanding-medicare-in-northeast-ohio","status":"publish","type":"post","link":"https:\/\/rcgroupbenefits.com\/understanding-medicare-in-northeast-ohio\/","title":{"rendered":"Understanding Medicare in Northeast Ohio"},"content":{"rendered":"

Northeast Ohio<\/span>\u2019s population continues to age and decline. According to the <\/span>2020 census<\/span><\/a>, all of the major cities in the region, including <\/span>Cleveland<\/span>, Youngstown, Akron, and Canton, all lost inhabitants. The number of <\/span>Ohio<\/span> residents over 65 will soon overtake the number of <\/span>Ohio<\/span> residents age 18 or under. And as <\/span>Ohio<\/span>\u2019s population ages, more members of the baby boomer generation are retiring and enrolling in <\/span>Medicare<\/span><\/a> for their <\/span>healthcare<\/span> and <\/span>prescription drug coverage<\/span>.\u00a0<\/span><\/p>\n

Medicare<\/span> is the federal program created in 1965 to citizens over the age of 65 in the United States have medical coverage and can enjoy health and <\/span>wellness<\/span> during their retirement years. <\/span>Medicare<\/span> also covers some people under 65 if they have a <\/span>disability<\/span>, such as ALS (Lou Gehrig\u2019s Disease).\u00a0<\/span><\/p>\n

Medicare<\/span> differs from <\/span>Medicaid<\/span> in that <\/span>Medicaid<\/span> is jointly funded by state and federal governments to provide <\/span>healthcare<\/span> to those with low incomes. <\/span>Medicare<\/span> is solely funded by the United States government.\u00a0<\/span><\/p>\n

Continue reading to find out about <\/span>Ohio Medicare<\/span>, whether it differs from federal <\/span>Medicare<\/span>, its different aspects, and how the <\/span>Medicare<\/span> enrollment<\/span> process works.\u00a0<\/span><\/p>\n

Is <\/span>Medicare<\/span> in <\/span>Ohio<\/span> Different?\u00a0<\/span><\/h2>\n

Medical coverage through <\/span>Medicare<\/span> is the same in all 50 states, including <\/span>Ohio<\/span>. Changes to <\/span>Medicare<\/span> at the federal level impact all of the United States equally. About 2 million Ohioans are covered under <\/span>Medicare<\/span>, and almost 55 million Americans in total are covered.\u00a0<\/span><\/p>\n

How to Enroll in <\/span>Medicare<\/span><\/h2>\n

The initial <\/span>enrollment period<\/span> for <\/span>Medicare<\/span> is the 7 month period (beginning 3 months before the month of the enrollee\u2019s 65th birthday, it also includes the month of the birthday, and the 3 months after the enrollee turns 65).\u00a0<\/span><\/p>\n

For those individuals who still have other medical coverage at age 65 (because they are still working or have spousal coverage), there is a special <\/span>enrollment period<\/span>. Those in this particular situation can sign up for <\/span>Medicare<\/span> after they turn 65 or during the 8 month period that begins the month after employment or medical coverage ends, whichever comes first.\u00a0<\/span><\/p>\n

What are the Parts of <\/span>Medicare<\/span>?\u00a0<\/span><\/h2>\n

Medicare<\/span> has undergone revisions over the years. Current <\/span>Medicare options<\/span> are now divided into four Parts: A, B, C, and D. Each one is concerned with different aspects of medical coverage and some parts are optional.\u00a0<\/span><\/p>\n

Medicare<\/span> Part A<\/span><\/h3>\n

Medicare<\/span> Part A<\/span> is for inpatient hospital coverage, hospice care, or inpatient care in a non-medical <\/span>healthcare<\/span> facility, and is typically available to all <\/span>Medicare beneficiaries<\/span>. Generally, enrollees do not pay a <\/span>monthly premium<\/span> for <\/span>Medicare<\/span> Part A<\/span> coverage.\u00a0<\/span><\/p>\n

Medicare<\/span> Part B<\/span><\/h3>\n

Medicare<\/span> Part B<\/span>, on the other hand, usually requires individuals to pay a <\/span>monthly premium<\/span>. <\/span>Part B<\/span> covers medically necessary doctors\u2019 services, durable medical equipment, and outpatient care. Enrollees can turn down <\/span>Part B<\/span> coverage when they first become eligible, but if the enrollee later decides to sign up for <\/span>Part B<\/span> later, coverage could be delayed.\u00a0<\/span><\/p>\n

Medicare<\/span> Part C<\/span><\/h3>\n

Medicare<\/span> Part C<\/span> is another name for <\/span>Medicare Advantage Plans<\/span>. These are <\/span>health plan<\/span> options that have been approved by <\/span>Medicare<\/span> and by law must offer the same coverage that <\/span>Medicare<\/span> does. <\/span>Medicare advantage plans<\/span> are usually operated by managed care companies instead of <\/span>insurance companies<\/span>. They offer both <\/span>Part A<\/span> and <\/span>Part B<\/span> coverage, and some offer prescription <\/span>drug plans<\/span>, as well. Even if they have a pre-existing condition, <\/span>Medicare<\/span> enrollees are still able to join <\/span>Medicare Advantage plans<\/span>.\u00a0<\/span><\/p>\n

Many of these <\/span>Part C<\/span> plans also offer additional benefits such as gym memberships, as well as hearing, dental, and vision services. Enrollees may also be able to customize their <\/span>Part C<\/span> plan based upon their particular needs.\u00a0<\/span><\/p>\n

Medicare Part D<\/span><\/h3>\n

Finally, there is <\/span>Medicare Part D<\/span>. Part D is <\/span>Medicare<\/span>\u2019s newest part and helps pay for prescription drugs. It\u2019s optional, but immediate <\/span>enrollment<\/span> in <\/span>Medicare Part D<\/span> is recommended in order to avoid a late signup penalty. The enrollee must already be enrolled in <\/span>Medicare<\/span> Parts A<\/span> and B to add Part D coverage, or get Part D through a <\/span>Medicare Advantage Plan<\/span>. All premiums, <\/span>deductibles<\/span>, and <\/span>copays<\/span> are the responsibility of the enrollee.\u00a0<\/span><\/p>\n

Extra Protection With <\/span>Medigap<\/span><\/h2>\n

Medigap<\/span> insurance, also known as <\/span>Medicare Supplement Insurance<\/span>, is an optional <\/span>health insurance plan<\/span> that can be purchased to cover costs not covered by <\/span>Medicare<\/span>. Private insurance <\/span>providers<\/span> (like <\/span>UnitedHealthcare<\/span>, <\/span>SummaCare<\/span> and <\/span>Medical Mutual<\/span>) offer these plans to cover the cost of medical services that aren\u2019t covered by <\/span>Medicare<\/span>.<\/span><\/p>\n

Medigap<\/span> insurance usually doesn\u2019t cover costs associated with nursing home care, vision or dental services, or hearing aids.\u00a0<\/span><\/p>\n

All <\/span>Medigap<\/span> policies are controlled by both state and federal laws that have been put in place to protect the buyer. <\/span>Insurance companies<\/span> that offer <\/span>Medicare supplement plans<\/span> must clearly identify them, and these plans must all offer the same basic benefits. Depending on the insurance <\/span>provider<\/span>, sometimes <\/span>Medicare supplement plans<\/span> may offer additional benefits to the buyer.\u00a0<\/span><\/p>\n

In order to purchase <\/span>Medicare Supplement Insurance<\/span>, the buyer must already be enrolled in <\/span>Medicare<\/span> parts A<\/span> and B. They will pay a premium to the <\/span>insurance company<\/span> in addition to the premium for <\/span>Medicare<\/span> Part B<\/span>. Some states offer a type of <\/span>Medigap<\/span> coverage called <\/span>Medicare<\/span> SELECT, which requires the buyer to choose hospitals and doctors that are within its <\/span>provider network<\/span>.\u00a0<\/span><\/p>\n

The optimal time to buy a <\/span>Medigap<\/span> policy is during the <\/span>Medigap<\/span> Open Enrollment Period<\/span>, which is a 6-month window that begins on the first day of the month that the buyer is 65 years of age AND enrolled in <\/span>Medicare<\/span> Part B<\/span>. If a <\/span>Medigap<\/span> policy isn\u2019t selected during this time, it may cost more in the future.\u00a0<\/span><\/p>\n

Medicare<\/span> Protects <\/span>Northeast Ohio<\/span>\u2019s 64+ Year Old Citizens<\/span><\/h2>\n

Medicare<\/span> has been safeguarding the health of elderly individuals for over 50 years. Not only across <\/span>Ohio<\/span>, but the entire United States. Navigating through all of the fine details of <\/span>Medicare<\/span> can be a challenge, but trusted <\/span>insurance agents<\/span> like <\/span>Reliable Consulting Group<\/span><\/a> can help get through this confusing time. <\/span>Contact us<\/span><\/a> today and let us make your business better!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Northeast Ohio\u2019s population continues to age and decline. According to the 2020 census, all of the major cities in the region, including Cleveland, Youngstown, Akron, and Canton, all lost inhabitants. The number of Ohio residents over 65 will soon overtake the number of Ohio residents age 18 or under. And as Ohio\u2019s population ages, more […]<\/p>\n","protected":false},"author":6,"featured_media":1286,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"yoast_head":"\nMedicare in Northeast Ohio: Understanding The Options<\/title>\n<meta name=\"description\" content=\"Get all the facts about Medicare coverage in northeast Ohio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rcgroupbenefits.com\/understanding-medicare-in-northeast-ohio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medicare in Northeast Ohio: Understanding The Options\" \/>\n<meta property=\"og:description\" content=\"Get all the facts about Medicare coverage in northeast Ohio.\" \/>\n<meta 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