Get-started tips for my new Medicare Supplement plan Here’s how my plan works, what it covers and important first steps
Are you enrolled in a HealthPartners® Medicare Supplement plan for the first time? This plan works differently than Medicare Cost and Medicare Advantage plans that you may have had in the past. I want you to understand how it works, so here are some important tips to get you started.
Medical coverage only
You’ll have comprehensive coverage for medical care you get from doctors, specialists and hospitals. Your plan benefits are the same for covered services anywhere in the United States where Medicare is accepted.
No coverage for Part D outpatient prescription drugs
If you want Part D coverage, you’ll need to enroll in a separate Medicare Prescription Drug Plan. That’s important because there’s a late enrollment penalty if you don’t have Part D or similar drug coverage for more than 63 days in a row. Visit medicare.gov to learn when you can enroll in a Medicare Prescription Drug Plan and to avoid this penalty.
Predictable costs and protection for easier planning
You likely chose a Medicare Supplement plan because it helps fill the gaps Original Medicare doesn’t cover like deductibles and coinsurance. Your plan has $0 or low copays for many medical services, including inpatient hospital, outpatient care, U.S. emergency and urgent care, and diagnostic tests and lab work.
It’s reassuring to have a plan that protects you. Your plan travels with you even if you move to a different state.
As you know, Original Medicare doesn’t cover all services and neither does a Medicare Supplement plan. For example, online doctor visits and acupuncture are not covered by your Medicare Supplement plan. You can still get these services, but you’ll pay the full cost. Review your policy to understand the services that are and aren’t covered by your Medicare Supplement plan.
How to get started using your plan
You can see any doctor who accepts Medicare. That’s right! There’s no network. Most doctors accept Medicare. Ask your doctor, or check medicare.gov to see if the provider of your choice is included.
Show your official Medicare card and your HealthPartners card when you get care. Carry both cards with you to make sure your medical claims get paid properly.
These easy tips will help you get the most from your Medicare Supplement plan. If you have more questions, call Member Services at the number on the back of your ID card.