Paying for Original Medicare
Let’s look at how most people pay for Original Medicare.
Original Medicare is low-cost health insurance that comes from the government. It covers things like hospital stays and check-ups. Most people get it when they turn 65, but there are lots of things that it doesn’t cover. We have comprehensive plans to enhance your Original Medicare coverage, help you pay for the things it doesn’t cover, and help save you money. Let’s talk about Original Medicare, what it covers, and what it doesn’t.
Original Medicare is made up of Parts A and B. Each covers different parts of your care.
Let’s look at how most people pay for Original Medicare.
You may have to pay a premium for Part A, but most people don't. If you or your spouse paid taxes into Medicare while you were working, you won’t have to pay premiums for Part A. If not, you can buy Medicare Part A and we can help cover some of its expenses.
The cost of Part B varies depending on your income. Social Security uses your tax information to find out what you should pay. Most people pay either $104.90 or $121.80 a month for the Part B premium, and it can be deducted automatically from your Social Security check each month.
Take advantage of preventive care! It’s one of the best things you can do for your health. Regular check-ups, tests, shots and screenings can protect you from disease or injury, or lead to early detection and more effective treatment. Original Medicare pays for many preventive health services, and some of our plans cover even more. Here’s a list of preventive services included with Medicare Part B.
Hepatitis B (for people at medium to high risk)
One-Time “Welcome to Medicare” preventive visit (within the first 12 months of having Part B)
Yearly “Wellness” visits
Abdominal aortic aneurysm (for people at risk)
Alcohol misuse (screening and counseling)
Bone mass measurement
Breast cancer (mammograms)
Cervical and vaginal cancer
Diabetes (for people at risk)
Glaucoma (for people at high risk)
Hepatitis C (for certain ages and people at high risk)
HIV (for people at increased risk)
Sexually transmitted infections (screening and counseling)
Cardiovascular disease (intensive behavioral therapy)
Diabetes self-management training
Medical nutrition therapy (for people with diabetes or renal disease)
Obesity (intensive behavioral therapy)
Though Original Medicare pays for many services, it doesn’t pay for everything. Medicare Advantage, Prescription Drug (Part D), Medicare Supplement Plans, and optional vision and dental plans can help you with the things that aren’t covered.
Empire offers Medicare Advantage, Prescription Drug (Part D), and Medicare Supplementplans in most areas of the country. Depending on the plan you choose, it may help you pay for some of what Medicare doesn’t cover.
And, in most states, you can add one of Empire’s optional dental and/or vision benefits to your Medicare Supplement plan to complement your coverage. You get allowances for the glasses or contacts you rely on and your check-ups and eye exams will be covered.
If you need help paying for the costs of Original Medicare, like deductibles or premiums, there are lots of programs to help. You can also apply for a Medicare Savings Program to help cover for the costs of Original Medicare. To find out if you qualify for one of these programs, visit Medicare.gov or call your state’s Medicaid or local Social Security office. If you already have Medicaid or are enrolled in certain levels of the Medicare Savings Program, you may be eligible for a Dual Special Needs (DSNP) plan. These plans are designed for people who have Medicare and Medicaid and have no premium or medical copays or deductibles.
We can help you understand the rules about when and how to sign up for Original Medicare and the Medicare plans we offer such as Medicare Advantage, Prescription Drug (Part D), and Medicare Supplement on our Sign Up for Medicare page.
Y0114_17_32855_U CMS ACCEPTED 09/29/2017
Medicare Supplement Plans are also available to persons eligible for Medicare because of disability. Not connected with or endorsed by the U.S. Government or the federal Medicare program. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. This is a limited policy designed to cover only those expenses which Medicare does not cover.
Once enrolled into your Medicare Supplement insurance plan, your coverage is guaranteed for the life of the plan with only three exceptions/restrictions: nonpayment of premiums, material misrepresentation, or our withdrawal from the marketplace.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.
For Dual-Eligible Special Needs Plans: This plan is available to anyone who has both Medical Assistance from the State and Medicare.
Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711). ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711). 注意：如果您使用非英語的其他語言，您可以免費獲得語言援助服務。請致電聯絡客戶服務部（聽語障用戶請致電：711）。
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