Iowa Medicare Insurance is categorized into four parts-Part A, Part B, Part C and Part D.
1) Hospital Insurance (Part A) that helps to cover inpatient care in the hospital, skilled nursing facility, facility care, home health care, hospice care and blood.
2) Medical Insurance (Part B) that helps to cover doctors services, outpatient hospital and emergency room, home health care, durable medical equipments, clinical laboratory and many other services.
3) Medicare Advantage Plans (Part C) combines Medicare Part A (Hospital insurance) and Medicare Part B (Medical insurance) and also sometimes Medicare Part D (Medicare Prescription Drug Coverage).
4) Medicare Prescription Drug Coverage (Part D) helps to cover prescription drugs and hence reduces the expenses of prescription drugs.
Original Medicare compensates the payment for visit to any hospital, clinic or health care provider accepting Medicare services. The approved share is paid by Medicare and the remaining cost has to be bared by the person.
Medicare Part A (Hospital insurance) is premium free, but you have to pay monthly premium for Medicare Part B (Medical insurance).
You pay for Copayments, coinsurance and deductibles which may apply on each of the above services.
If you are covered by Medicare Advantage Plan like a HMO or PPO or supplement insurance (Medigap policy), the cost may differ.
It is an assistance program to guide you about Medicare and related services. It gives free help and counseling about Medicare insurance.
CALL Iowa- 1- (800)351-4664 in-state calls only