Medicare-eligible RVers have additional considerations
when reviewing and selecting the hospital, medical, and
Rx services because they may be traveling away from their
Medicare and RVers
We remind our readers all who are Medicare-eligible that the Medicare and You 2008 information
booklets were being mailed to eligible participants from the Centers for Medicare and Medicare in
late October. RVers have additional considerations when reviewing and selecting the hospital, medical,
and Rx services because they may be traveling away from their home locations.
The Medicare information booklet provides extensive information about the various covered services,
- Part A - Hospital Insurance
- Part B - Medical Insurance – Doctors, outpatient care, and other medical services
- Part C – Combined Part A (Hospital Insurance) and Part B (Medical Insurance), and Part D
(Prescription coverage for an additional premium) by private insurance companies approved by
Medicare (see Note below)
- Part D – Medicare Drug Plan (prescriptions) – There are late enrollment penalties if you do not join
a Medicare drug plan when you are first eligible.
Note: Selected Part C plans may offer and provide prescription coverage.
The above coverage options, along with the various insurance companies providing Part C and D
services are described in detail in the information booklet.
There is turnover in the insurance carriers providing Medicare Part C and Part D coverage. Accordingly,
current Medicare enrollees carrying Part C or Part D coverage need to verify that the carriers they want
to use will be providing coverage in their geographical area for 2008.
There is no premium for Part A coverage and Part B coverage will increase to $96.40/month per eligible
person in 2008. Individuals earning more than $82,000/year and couples earning more than $164,000
per year will have higher Part B premiums. Part A and Part B claims are submitted to and processed by
the Centers for Medicare and Medicare.
Enrollees selecting Part C coverage will have hospital coverage provided by the insurance carrier, not
from Medicare Part A.
The premiums for Part C and Part D plans depend on the specific insurance carrier plan selected. The
rates are also affected by the specific insurance carrier coverage, prescription coverage, and the
geographic area that you reside in. Part C and Part D claims are submitted to and processed by the
insurance carrier providing the coverage.
The premiums for Part C may be lower than those for Part B ($96.40/month), but the Part C plans may
impose different copays, coverage, restrict the hospitals that can be used, and may limit or deny
coverage or service outside the geographical area they serve. In addition, enrollees obtaining Rx
coverage from Part C or Part D insurance carriers will normally be limited to the prescription formularies
established by the carrier.
There are restrictions associated with joining, switching, or dropping a Part C Medicare Advantage Plan
or Part D Medicare Drug Plan. It is important to be aware that Part C and Part D plan changes to
covered services and procedures, or changes to pharmaceutical formularies during the year are not
grounds for switching or dropping coverage.
We strongly recommend that you read, understand, and follow the guidelines and conditions
regarding joining, switching, or dropping Part C or Part D plans that are specified in the
Medicare and You 2008 information booklet.
Medicare eligible persons using Part A and Part B coverage have the most flexibility because Parts A
and B provide nationwide hospital and medical service by any provider accepting Medicare payment for
the various services described in the Medicare and You 2008 information booklet.
Note: Medicare-eligible RVers enrolling in Part C or Part D programs should understand any limitations
on obtaining hospital, medical, or prescription coverage when traveling away from the provider service
area. Availability of services may be restricted or not available at all.
We recommend you closely review the Medicare and You 2008 information booklet to understand your
hospital, medical, and Rx options, coverage, monthly premiums, deductibles and copays, Consider and
discuss any limitations on obtaining service and traveling away from your home area with these carriers
before selecting any Part C or Part D plans managed Medicare approved insurance carriers.
It is important to remember that Medicare coverage for health services is limited to the United States and
its territories (Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa and the Northern Mariana
RVers traveling outside of the country should consider emergency evacuation insurance and Medicare
Supplement (Medigap) Plans that provide foreign coverage, with no extra cost for treatments that are
Medigap plans generally require you to pay the bill when you receive treatment and then submit it for
payment. Most Medigap and emergency evacuation plans have a dollar limit on any claims processed
for each trip. You will find additional information about Medicare coverage, premiums and services on
the Medicare website.
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