incomes may be higher than the approved limit, but their medical expenses are so tremendous that they reduce the net income to meet state requirements.
Because of the way the system is set up, becoming eligible for Medicaid shouldn’t be a goal. By being reliant on the government to take care of your health costs, you will have to sacrifice your finan- cial freedom, as well as be subject to decreased choices for your health care. Having them pay your costs means playing by their rules. But, by taking responsibility for your own health care and long-term care coverage, you will be in a better position to dictate what care you want, which doctor you go see, and other important matters.
Knowing Your Options with Medicare
Medicare options Original Medicare—
What you receive Coverage for care from
Things to remember No coverage for most
Received directly from most doctors and hospitals
prescription drugs, hear-
in the country. Limited out-of-pocket
ing aids, or vision care. May be subject to high
costs if you have Medicare out-of-pocket expenses
supplemental insuranc (Medigap).
if you don’t have any Medigap insurance, which may be expensive.
Medicare HMO and Medicare PSO— Offered by a private health plan.
Coverage for care at a lower cost than other Medicare options if you use network doctors and follow plan rules. Often some prescriptio
Care typically only cov- ered with primary care doctor or plan approval, except in emergencies. Generally, no coverage for routine care when you are away from home.
drug coverage and other additional benefits are available. Medigap not needed.
CAUTION: Plan may raise premiums, cut benefits or discontinue Medicare coverage.