Recently I received a call from an individual who has been on disability for 24 months and is now receiving Medicare Part A and B. In addition, she will be receiving Medi-Cal. Before determining what her insurance coverage will be under Medicare/Medi-Cal, she needs to confirm with her physicians what they will take. Will they take a Medicare Advantage Plan? If not, will they accept her as a Medicare/Medi-Cal? If they will, she will still need a stand-alone Part D drug plan.
We all like to have choices, but sometimes we need a “roadmap” on what each choice is, along with understanding how coverages differ and what the costs will be. Take the time to review your options before making a decision on the health/drug coverage that will best fit your needs.