As a senior or resident of Ruidoso, NM, understanding the types of Medicare coverage available for preventative services can help minimize financial strain and unexpected medical costs. If you’re living in Ruidoso, NM, Family Insurance Associates can walk you through the process of breaking down coverage options for preventative services with Medicare.

Medicare Part A (Hospital Insurance)

With Medicare Part A in Ruidoso, NM, you can expect the following preventative services to be covered:

• Screenings: Basic screenings such as mammograms may be covered annually or with baseline coverage, depending on age.
• Bone Density: Bone density tests are also covered for individuals with an increased risk of osteoporosis.
• Colon Screenings: Colorectal screenings can help prevent the onset of severe or life-threatening colon cancer and other gastrointestinal diseases.
• Diabetes Monitoring and Screenings: People at high risk for diabetes may also receive ongoing diabetes screening and glucose monitoring services. 

Medicare Part B

Medicare Part B, or Medical Insurance, offers coverage for the following preventative services:

• Wellness checkup: Blood work and checkups are included
• Screenings: Screening for smoking, obesity, depression, HIV, sexually transmitted diseases (STDs), infections, and even cardiovascular diseases.
• Immunizations: Flu shots, hepatitis B shots, and pneumococcal shots are also covered.

Medicare Part C

Medicare Advantage Plans also provide the following:

• Comprehensive Coverage: Comprehensive solutions may go beyond what is offered with standard Medicare Part A & B plans.
• Additional Coverage: Additional coverage options may be available for dental and vision health needs.

For those living in the Ruidoso, NM region, Family Insurance Associates is here to help you find a Medicare plan that is right for you. To learn more about Medicare coverage for preventative services in and around Ruidoso, NM, contact Family Insurance Associates to schedule your consultation today.

Medicare A and B don’t offer the comprehensive dental and vision insurance you need to maintain good health and a high quality of life. That’s why Ruidoso, NM, seniors should seriously consider purchasing Medicare C. There are multiple plans to consider, which makes it easy for anyone to find one that meets their needs at a good price.

What’s Covered Under Medicare C

Coverage varies depending on the plan you pick. However, common dental services offered by Medicare C plans include oral exams, X-rays, regular cleanings, fillings, and extractions. Vision-related expenses covered by a Medicare C plan include annual routine vision exams and a set amount of compensation for purchasing eyeglasses. If you have a chronic eye condition, you can get coverage from Medicare B for cataract removal surgery and post-cataract surgery eyeglasses or contact lenses.  

How to Choose a Medicare C Plan

It’s important to make sure your chosen Medicare C plan offers the coverage you need to maintain good health. Check policy benefits and how often you can avail yourself of certain benefits. Some policies may limit the number of exams or procedures you can have in a set period. You’ll also want to ensure the doctors you see or intend to see can accept the plan you’re considering purchasing. Furthermore, read the policy fine print to see if you’ll need a referral in order to see a specialist.

Call Family Insurance Associates for Insurance Coverage

If you think Medicare C may be right for you, call Family Insurance Associates to learn more about your policy options. We take pride in helping Ruidoso, NM seniors assess the pros and cons of each policy to find the one that best meets their needs.

Stay strong, Ruidoso!

Medicare Insurance Considerations: A Guide for Seniors in Ruidoso, NM

For seniors in Ruidoso, NM, and across the United States, enrolling in Medicare insurance when they reach the age of 65 is a common practice. Both new applicants and existing policyholders have numerous factors to consider when devising their plans. Here are some considerations that are vital when shopping for a Medicare insurance plan:

Network Limitations

If you choose a Medicare Advantage plan, you may encounter restrictions associated with physician, hospital, and specialist networks. It’s crucial to thoroughly review your new insurance plan’s network to ensure that it includes a doctor with whom you’re comfortable. If not, you might have to pay more for the same care or switch your primary care provider altogether.

Coverage Options

Another significant factor is your coverage options. While Medicare is useful in many cases, you might want to consider other types of insurance as well. This can include prescription coverage, supplemental and gap coverage, and even insurance that provides support if you need medical care while overseas. The kind of coverage you should obtain will vary according to your situation and personal needs, along with your budget for coverage.

It’s always a wise choice to opt for Medicare insurance when you are in the Ruidoso, NM area. When shopping for insurance, our team at Family Insurance Associates is available to help you create your plan. Our professionals will ensure you fully understand your options and guide you in building a plan that best suits your situation.