Jackson County Medicare Insurance Information & Coverage Options

Medicare eligibility in Jackson County starts during your Initial Enrollment Period (IEP), which surrounds your 65^th birthday. This eligibility begins the three months before your birthday, the month of, and the three months after your 65^th birthday. If you have been a U.S. citizen for at least five consecutive years and have reached your Initial Enrollment Period surrounding your 65^th birthday you are eligible to enroll in Medicare programs. If you meet these eligibility requirements, the federal government will automatically enroll you in Medicare Parts A & B, also known as Original Medicare.  There may be some special circumstances, like disability or specific medical conditions, which make you eligible for Medicare before the age of 65.

What Does Medicare Cover?

Original Medicare, which you are automatically enrolled in if you meet minimum eligibility requirements, includes Medicare Part A and Part B.

What is Medicare Part A? Part A is the first part of Original Medicare provided by the federal government includes inpatient hospital stays, skilled nursing services, hospice care, certain blood transfusions, and impatient mental health. Part A does not require you to pay monthly premiums, as long as you have paid into Social Security for at least 10 years. If you have not paid in for that full time period then your monthly premiums will be higher. Your monthly premiums could also be higher if you do not enroll during your Initial Enrollment Period.

What is Medicare Part B? Part B has the same rules as Part A for eligibility and pays for:

• Necessary doctor visits and services
• Outpatient hospital visits, mental health, physical therapy, occupational therapy, speech-language therapy
• Ambulance
• Laboratory services
• Durable medical equipment including wheelchairs, oxygen tanks, etc.
• Some preventive care, diagnostic screenings, and skilled nursing
• Dental, vision, and hearing only in certain limited situations

Unlike Part A, which typically does not have monthly premiums, Part B does have monthly premiums, which are based on yearly income. Enrolling after your IEP can also cause higher premiums. All premiums are automatically deducted from your Social Security benefits. There is no maximum out-of-pocket for Part B, but there are situational coverage limits that you should discuss with a Medicare insurance expert.

You can explore our Medicare page to investigate any specific costs that will affect your Jackson County healthcare coverage for Part A and B. To sign up for Medicare Part A, you can enroll at your local Social Security office if you have not paid into Social Security long enough. Enrolling in Medicare Part B should be done during your IEP or the Open Enrollment Period (OEP) which spans October through December.

Additional Medicare Coverage Options from Private Companies

Medicare Part A and B does not provide complete or comprehensive coverage and there will be out-of-pocket costs. To help with these costs, you can purchase Medicare Supplemental Insurance, Medicare Part D, or Medicare Advantage from private companies to help cover additional healthcare costs in Jackson County. The Medicare plans you can choose from include:

• Option 1: Medicare Supplemental Insurance which covers some or all of the costs that are not covered by Parts A& B and/or Medicare Part D which covers prescription drug costs.
• Option 2: Medicare Advantage, also known as Medicare Part C, which combines Parts A & B to provide additional benefits. Most Part C plans cover prescription drug costs.

Adams Insurance Services, LLC provides these Medicare plans through the many Medicare providers we work with. Our personalized service and face-to-face consultations ensure we will find the perfect plan that meets your needs.

Our Jackson County Medicare Insurance Providers

Here are the many Medicare providers in Wichita we work with to provide Medicare Part D plans, Medicare Advantage plans, and Medicare Supplemental plans.