{"id":2692,"date":"2021-11-10T15:36:47","date_gmt":"2021-11-10T15:36:47","guid":{"rendered":"http:\/\/mcgoldeninsurance.com\/productos\/medicare\/"},"modified":"2025-09-15T19:23:49","modified_gmt":"2025-09-15T19:23:49","slug":"medicare","status":"publish","type":"productos","link":"https:\/\/mcgoldeninsurance.com\/en\/products\/medicare\/","title":{"rendered":"Medicare"},"content":{"rendered":"\n

MEDICARE<\/p>\n\n

Who is eligible?<\/strong><\/p>\n\n

US citizens or permanent residents over the age of 65, eligible for Social Security benefits after 10 years of work, and 40 credits, are automatically entitled to Medicare Part A and B or original Medicare.<\/p>\n\n

What does Original Medicare cover?<\/strong><\/p>\n\n

Part A: Hospital.<\/p>\n\n

Skilled nursing facility<\/p>\n\n

Intensive care<\/p>\n\n

Operating room and recovery room services.<\/p>\n\n

Rehabilitation and physical therapy.<\/p>\n\n

Home health care.<\/p>\n\n

Among other services.<\/p>\n\n

Part B: Doctors.<\/p>\n\n

Coverage of 80%.<\/p>\n\n

Also includes other medical supplies and preventive services.<\/p>\n\n

What is the Medicare Advantage or Part C?<\/strong><\/p>\n\n

People who have already acquired their Original Medicare (Parts A and B) can enroll in Medicare Part C (except for patients with End-Stage Renal Disease ESRD). <\/p>\n\n

Counties offer a variety of Medicare Advantage HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans. They offer benefits outside of Original Medicare adding vision, dental, hearing, gym membership, OTC (over-the-counter medication), and more.<\/p>\n\n

Other Medicare Advantage plans are designed for dual eligibility individuals, that is, those with both Medicare and Medicaid, in which case payment of the Part B premium by the beneficiary is suspended.<\/p>\n\n

What is Part D?<\/strong><\/p>\n\n

It is the part corresponding to Prescription Drugs to help pay for this concept.<\/p>\n\n

When to apply for Medicare Advantage?<\/strong><\/p>\n\n

Annual Enrollment Period (AEP)<\/strong>: From October 15th to December 7th, with an effective date of the following January 1st. During this period the beneficiary can enroll in a plan for the first time or change to another available in their county of residence.<\/p>\n\n

Open Enrollment Period (OEP)<\/strong>: From January 1st to March 31st and make changes to plan effective the 1st of the following month.<\/p>\n\n

Initial Enrollment Period (IEP<\/strong>): Begins 3 months before and 3 months after the effective date of the Original Medicare.<\/p>\n\n

Special Enrollment Period (SEP)<\/strong>: It is an enrollment opportunity for people who experience some change in eligibility such as moving, acquiring Medicaid, among other changes.<\/p>\n","protected":false},"excerpt":{"rendered":"

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