Medicare in Pennsylvania.
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Millions of Americans qualify for Medicare, the U.S. government’s taxpayer-funded health insurance program. It is a very large system, and not only encompasses government-provided plans but also private coverage like Medicare Advantage, Medigap or Medicare Part D.1
Countless Pennsylvania residents depend on Reviello’s Insurance Agency’s dedicated Medicare agents for help with all their coverage needs. We’re more than happy to help you, too. If you are interested in exploring your Medicare options, don’t hesitate to call us at 570-497-4784 or request a quote now. We’ll make your enrollment simple, secure and affordable.
Common Questions about Pennsylvania Medicare Plans
What is Medicare?
The United States Congress created the Medicare program in the 1960s to provide health insurance to senior citizens and certain individuals with chronic health conditions or disabilities. These fee-for-service plans cover multiple essential health care benefits, from hospitalizations to physician visits.
During your working life, you will pay into the Medicare system through payroll taxes. Upon qualifying for the program (usually around age 65), you will become eligible for Original Medicare, which is government-managed and made up of two types of coverage:
- Part A (Hospital Coverage): Plans cover care in hospitals, nursing homes, hospices or home health coverage.
- Part B (Medical Coverage): Common health care services like preventive care, diagnostic tests, physician visits and mental health care have coverage. This portion of coverage applies to the health maintenance that most people need.
The private insurance market also offers numerous expanded plan options to better meet consumers’ individual health care needs. You can work with your Rivello’s agent to enroll in:
- Part C (Medicare Advantage): Advantage plans offer Part A & Part B but add on extra coverage for services like hearing or vision care. Most plans also offer Part D (see below).
- Part D (Prescription Drug Coverage): Original Medicare only offers limited drug coverage. Part D offers expanded coverage, and most people who take prescriptions regularly need coverage.
- Medicare Supplements (Medigap Plans): Both Part A & Part B include costs like deductibles co-payments and coverage gaps. Medigap helps cover these costs to reduce your cost burden.
What does Medicare Cost?
Many people qualify for a $0 premium on their Original Medicare Part A coverage, though enrollees must pay a premium for their Part B coverage in most cases. If you choose to purchase Part C, Part D or Medigap plans, then your premiums will vary further.
Why do you need Medicare?
After you leave the workforce, you might no longer qualify for an employer-sponsored health plan. Since seniors are those most likely to need health care, they need an affordable way to get it. Medicare makes it possible for qualifying individuals to receive coverage that offers security in their old age.
Don’t worry if you are confused about which Medicare plans you need. Your agent is happy to walk you through the enrollment process and your qualifications for all expanded policy options.
How much is Medicare Part D?
Part D plans are private plans, so you must pay a premium for them in addition to your Original Medicare premium. Usually, they cost around $20 - $30/month, depending on the plan you choose.
However, it’s important to consider what your Part D plan will pay for your medications. That will help you determine your out-of-pocket drug costs. Sometimes, choosing a higher-premium Part D plan will help you pay less for essential medications.
When can I sign up for Medicare Part D?
Most people enroll in Part D coverage in the 7 months around their 65th birthday. This is called your Initial Enrollment Period. It starts the first day of the month three months before you turn 65 and ends on the last day of the month three months after your 65th birthday.
If you want to enroll in coverage after this period, then the annual Medicare Open Enrollment period occurs annually from Oct. 15 – Dec. 7. Some individuals qualify for a special enrollment period outside this time-frame, however.
How much income do I need to qualify for Medicare?
Your income does not play a role in your eligibility for Medicare. However, most people qualify only if they or their spouse has paid into the Medicare tax system for at least ten years.
1 - This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
Medicare has neither reviewed nor endorsed this information.
Call us today at 570-497-4784 of fill out an online quote now.