By Sharon Wagner, SeniorFriendly.info

Medicare is a blessing to many seniors, but navigating all of your options and deciding on a plan can be extremely overwhelming. How are you supposed to know which plan you need, which insurance companies to trust, and how to enroll? There are many things to consider when choosing your plan and nearly endless options when you look beyond the basic federal program. Hopefully, this guide can clear up a few things and point you in the right direction.

Finding Plans in Your Area

To start, it’s important to know what kinds of Medicare plans are available in your area. The government website Medicare.gov provides a handy search tool for finding Medicare Part C and Part D plans. This can help you narrow down your choices based on certain criteria, such as whether you need drug coverage and which pharmacies you would like included in your plan. Take a look at this useful step-by-step guide for help using the search tool.

Learning About Basic Medicare

Original Medicare, also called Medicare Part A and B, is the most basic coverage provided by the government for seniors 65 and older. Original Medicare covers things like hospital stays and outpatient doctor’s services. Most people will not have to pay anything for Part A, but everyone must pay a monthly premium for Part B. It’s also important to understand that Original Medicare will not pay for 100 percent of the services it covers; you will still have out-of-pocket costs from deductibles and copayments. This is why many people supplement their Medicare plans.

Understanding Medicare Advantage

Medicare Advantage plans are offered by private insurance companies and are similar to health insurance plans you may have signed up for in the past. In addition to everything covered by Medicare Parts A and B, Medicare Advantage plans offer additional coverage for things like hearing, vision, and dental. These plans may also include daily living assistance and lifestyle support, such as transportation or meal delivery services. US News explains the pros and cons of Medicare Advantage based on different criteria you may have.

You’ll notice that many Medicare Advantage plans have no premiums. These can be a good option for people who are healthy and looking to save money while still being protected from large medical expenses. These zero-premium plans typically have high deductibles, meaning you’ll have to pay more for your services before your plan will cover the rest. Choosing a plan with a higher premium may be a better option if you have a chronic condition or some other reason to require regular medical care.

Medicare Part D for Drug Coverage

Medicare Part D, which is also offered by private insurance companies, covers prescription drugs. You can add Part D to your Original Medicare plan. However, the majority of Medicare Advantage plans include Part D. According to Investopedia, the costs associated with Medicare Part D are fairly similar to the premiums, deductibles, and copayments of any standard medical insurance plan. Before picking a plan, it’s important to consider the particular drugs you need to be covered since certain plans cover different drugs. Using the Medicare.gov search tool mentioned above can help you find Part D plans that will cover your prescriptions.

Considering Medigap

Finally, Medigap is yet another option for supplementary coverage offered by private insurance companies. Medigap specifically covers the gaps in Original Medicare. This can be beneficial for people who anticipate future chronic conditions and are worried about expensive healthcare needs. There are several Medigap plans to choose from, so think carefully about the kind of coverage you need most. Some plans have coverage for travel emergencies, whereas others are better for covering the deductibles and copayments from your Original Medicare plan.

Getting the most out of Medicare means taking the time to learn about your plans and coverage options. Continue to do your research and check out some of the resources mentioned here. Although it will take some serious planning to evaluate your choices, consider your criteria, and anticipate your future care needs, this will help you secure your health for the future.

While most of the care we provide at Sagepoint is for seniors, that’s not always the case. We thought you’d like to hear this story of a young married couple and the medical challenges they are overcoming– thanks in large part to the support of donors like you.

‘A 100% Miracle’

Karen Shifflett remembers her second wedding anniversary all too vividly. She sat at her husband’s beside in a hospital intensive care unit. Driving home from work in February 2013, John’s car was struck by a train in Brandywine, MD.

“After his first week in the hospital, the doctors told me to make arrangements for a nursing home- that he’d be a vegetable for the rest of his life.”

John, age 29, arrived at Sagepoint a month later. From the very beginning, Karen says, “the care was like nothing we had ever experienced. It was phenomenal.”

John arrived still very much in a “vegetative” state. After two months of speech, occupational, and physical therapy, he was eating a soft diet, sitting up, and responding to his family.

Today John continues to improve with the help of a walker and a wheelchair. He attends Sagepoint’s Adult Day Services every Saturday. Karen calls him a “100% miracle” and credits the staff and aides at Sagepoint.

“The time they put in with the therapy… they didn’t give up. They pushed him and they were always so positive. Just to know that he wasn’t alone meant everything to me.”

We Need Your Help Once More

Because of the high costs of the care we provide and the limitations of government funding, we’ve set a goal to raise $1 million to enhance and expand care for our patients and residents by 2021. The first phase of this campaign we are calling Forever Grateful and our first goal is to raise $150,00 by the end of 2018. We know that you can’t give to every worthy cause, but as you consider your year-end donations, please consider donating to Sagepoint.

To our friends and supporters of Sagepoint Senior Living, we thought that you’d like to know a little bit about what your donations make possible. This is Miriam Kimball’s story:

A Tale of Two Parents

When Miriam Kimball’s father grew increasingly fragile from Parkinson’s disease, she moved him from a Pittsburgh nursing home to Sagepoint. Her mother, Miriam Donnellon, soon became a fixture there. Her daily visits cultivated close relationships with the staff, so close, in fact, she often invited staff members to her home for tea and cookies.

Years later after her father passed away, her mother needed care for severe dementia. Miriam Kimball again chose Sagepoint.

“Because my mom was in that frightened state, she was desperate for a friend,” Miriam Kimball said. “So many of the aides remembered her from when she cared for my dad. Even though my mother was not very lovable at times, they still provided her with loving care. The aides and nurses are simply outstanding human beings who will listen and help anytime, day or night.”

We Need Your Help Once More

Because of the high costs of the care we provide and the limitations of government funding, we’ve set a goal to raise $1 million to enhance and expand care for our patients and residents by 2021. The first phase of this campaign we are calling Forever Grateful and our first goal is to raise $150,00 by the end of 2018. We know that you can’t give to every worthy cause, but as you consider your year-end donations, please consider donating to Sagepoint.