Medicare is a federal health insurance program for people over the age of 65 and those with specific disabilities. There are many different coverage options to choose from, depending on your needs. What’s more, Medicare in San Antonio can be very affordable!
This blog post. dicare coverage options in Sanwill discuss Me and some famous hospitals and Medicare plans that you might want to consider.
What type of Medicare coverage is available?
Medicare in San Antonio will cover hospitalization, medical expenses, and other health care services. There are several different types of Medicare coverage available to choose from.
This is the standard Medicare program that everyone pays into throughout their working lives. It consists of Medicare Part A and Medicare Part B.
If you have worked for ten years or forty quarters, you can receive Medicare Part A for free. If you have not paid into Medicare throughout your working life, you’ll need to pay a premium for Medicare Part A.
Medicare Part A is considered your “hospital insurance.” It covers inpatient care, hospice care, and limited home health services.
Medicare Part B does come at a monthly premium of $148.50 in 2021. This premium can increase if you have a high income.
Medicare Part B is considered your “medical insurance.” It covers medical expenses like doctor visits, outpatient services (like lab work), preventative benefits (including physicals), and durable medical equipment.
Medicare Advantage Plans
Medicare Advantage is also called Medicare Part C. If the particular Advantage plan offers prescription drug coverage, it is also referred to as a Medicare Advantage Prescription Drug Plan, or MAPD for short.
Medicare Advantage plans are plans offered by private companies that contract with Medicare. It combines Medicare parts A and B and provides additional benefits such as dental coverage or vision services at no extra cost. If you choose to go this route, your primary care physician will be the one to coordinate all of your healthcare needs.
For short, Medicare Supplement plans or Medigap are available to supplement your Original Medicare coverage. Ten different Medicare supplements can help you pay out-of-pocket costs like copays and coinsurance when you’re in the hospital or receiving medical services from a doctor.
Unlike Medicare Advantage plans, Medigap plans do not combine your Original Medicare, Parts A and B, into one program. A Medigap plan is a separate policy. If enrolled in a Medigap plan, individuals will also need to purchase a different Dental, Vision, and Hearing policy and prescription drug coverage (also known as Medicare Part D).
Which Medicare plans are available in San Antonio?
Original Medicare is available across the United States. However, specific MAPD, Medigap, DVH, and Part D plans are available depending on where you live. Let’s discuss your options in San Antonio.
Medicare Advantage Plans
Medicare Advantage plans are an excellent choice for residents of San Antonio. They are widely accepted throughout the city, and there are multiple plans to choose from.
The current list of carriers and plans is too long for a single post. There are approximately 82 Medicare Advantage Prescription Drug plans in San Antonio.
Some of the most popular MAPD plans are as follows:
- AARP Medicare Advantage (HMO)
- United Healthcare Dual Complete (HMO D-SNP)
- Cigna Preferred Medicare (HMO)
- Devoted Health Prime San Antonio (HMO)
- Humana Gold Plus (HMO)
Approximately 40 carriers are offering Medigap plans to San Antonio residents in 2021. These carriers include all major insurance companies and smaller ones unique to San Antonio.
These carriers will all offer the ten standardized plans of Medigap. Plan F, Plan G, and Plan N arear and comprehensive of the most popular ten plans.
Dental, Vision, and Hearing Plans
DVH plans are available all over the United States. There are multiple carriers and coverage levels. If you currently have a dentist, optometrist, and audiologist, you may want to find out which pages they accept payment from.
Some popular DVH carriers are:
- Manhattan Life
- Mutual of Omaha
- Nat Gen
Part D Prescription Drug Plans
If individuals choose not to enroll in an MAPD plan, they will need to purchase a separate Part D prescription drug plan.
There are several carriers for these plans. Individuals will need to understand how their current medications are covered under each program to find the one with the most value.
The current Part D carriers in San Antonio are:
- Blue MedicareRx
- Clear Spring Health
- Mutual of Omaha
Each of these carriers offers several plans to choose from and will vary by county.
Which hospitals in San Antonio accept Medicare assignments?
There are 35 hospitals in San Antonio. Of course, you will likely want to seek care from the one closest to you, but the following seven are some of the highest-ranked in the care provided.
- Methodist Hospital
- Baptist Medical Center
- Baptist Emergency Hospital
- Christus Santa Rosa Health System
- Cumberland Surgical Hospital
- Encompass Health Rehabilitation Hospital
- Foundation Surgical Hospital
If you are a resident in San Antonio and looking for ways to decrease your medical costs, give us a call. We’d be happy to review your needs and compare them to the available plans.