When you work in the U.S. and paid medicare tax for at least 10 years or 40 working quarters, by the time you reach 65 years old, you would qualify for medicare benefit. You’re eligible to sign up for Medicare 3 months before you turn 65, and may be eligible to get Medicare even earlier should you have a terminal disability.
The 4 Parts of the Medicare Plan
include inpatient hospital and nursing home
include outpatient services, doctor visit, and some preventive care.
Combines A and B
include prescription coverage
Frequently Asked Questions
- Original Medicare (Parts A & B)
- Medicare Advantage (Part C)
Both options provide similar basic levels of hospital, and medical insurance coverage, however there are a few fundamental differences between the two. See the details below.
Regardless of which option you select, you will likely have to pay premium, deductible, coinsurance, and copays.
Costs of Original Medicare are:
- Part A premium
- Part B Premium
- Separate deductibles for Part A and Part B
- Part B coinsurance
- Copays for Parts A & B services
- Additional Part D costs – which include additional premiums, deductible, copays and coinsurance
Costs of Medicare Advantage are:
- Part B premium
- Plan deductible
With either plan, there are plenty of providers in the network. The key difference between Original Medical vs Medicare advantage is:
With Original Medicare, you can go to any hospital or see any doctor/provider within the U.S. who accept Medicare. While with Medicare Advantage, you have to go to those private insurance networks of hospitals and doctors/providers. Otherwise, you would have to pay more going outside of the network.
The answer is dependent on your need, do you need dental, vision, fitness coverage? If the answer is yes, then Medicare Advantage would be the one. Remember Medicare Advantage covers everything that Original Medicare would cover and more.
At Vista Dental, we do not accept Original Medicare, however, we are providers for a few Medicare Advantage plans via United HealthCare, Aetna, Humana… Your Medicare Advantage plan may include various levels of dental coverage, deductible, and copay. Your plan may cover 100% of covered procedures without deductible or copay up to the annual maximum. Please call or text 702-464-3000 for details. Or if email is preferred, you can email to firstname.lastname@example.org.
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