Guida per gli ornitologi al Medicare: punti chiave da considerare
In the United States, navigating Medicare coverage can be a complex task, especially for those who reside in more than one state. Here's a guide to help you understand your options.
Firstly, it's important to note that Original Medicare, a national government insurance program, provides the same coverage and charges the same costs no matter where a person lives. However, Original Medicare does not cover prescription drugs, so a person may need to enroll in Medicare Part D if they are not enrolled in a plan that includes prescription coverage.
For those enrolled in Original Medicare, the flexibility to visit any healthcare professional in the United States who accepts assignment is available. However, beneficiaries must maintain one primary address for official Medicare communication.
Some people may find it beneficial to enroll in Medicare Advantage (Part C) plans, which often include prescription coverage. These plans are managed by private insurers and offer the same benefits as Original Medicare. However, beneficiaries must select a plan available in their primary residence area.
If a person cannot find a Medicare Advantage Prescription Drug (MAPD) plan in their primary residence area that also covers their second state, they may wish to enroll in stand-alone Medicare Part D for prescription drug coverage. Alternatively, a person living in two states can consider enrolling in a Medicare cost plan, which is similar to a Medicare Advantage plan but allows the person to receive care outside the network via Original Medicare.
It's crucial to check the available Part D plans in each area and select one that covers both states. A person can transfer their prescriptions to a participating pharmacy in each of their locations. Mail-order pharmacies that work across states and accept the individuals' specific plan might be particularly beneficial, as the person will only need to change their delivery address.
Residents of Massachusetts, Minnesota, or Wisconsin have different Medigap plans that might not be applicable in other regions. Medigap plans are standardized across the United States, with a person typically choosing from the same 10 plans. A person can enroll in a Medicare supplement plan (Medigap) to help cover out-of-pocket expenses from Original Medicare.
Some Part C plans, such as the UnitedHealth Passport Program or UPMC for Life Travel Concierge Program, are designed for people living in multiple locations. These plans might offer special services for people who split their time between two states, commonly available in states like Florida and New York.
Under Original Medicare, beneficiaries are eligible to use telehealth services for some medical services at least until September 2025. Since Medicare Advantage plans offer the same benefits as Original Medicare, a person should also receive similar telehealth services under a Part C plan.
To find a list of providers or pharmacies that accept a particular plan, beneficiaries can visit Medicare.gov. Here, they can find a list of participating providers by ZIP code. For those considering plans that offer services in multiple states, it's advisable to check if their preferred Medicare Advantage (Part C) plan has in-network providers in both states on Medicare.gov.
In conclusion, navigating Medicare coverage for multi-state residents can be a complex task, but with careful planning and research, it's possible to find a plan that suits your needs. Always remember to verify the availability of your preferred plan in both states and check for any additional services that cater to your unique situation.
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