Maryland’s Medicare Supplement Birthday Rule : According to a new rule in Maryland, people who turn 65 on or after January 1, 2020 can now enroll in Medicare Supplement B. This is a program that provides additional coverage for hospital and doctor visits not included under the original Medicare plan. While some states have opted out of offering this type of coverage, Maryland has taken a step in the right direction by providing supplemental coverage to those who would otherwise be without it.
What Does It Offer?
Medicare Supplement B offers additional coverage that is not provided in the traditional Medicare policy. It covers a portion of hospital bills for an overnight stay in a nursing home, as well as copayments and coinsurance for doctors’ visits. It also pays a portion of the costs for medical equipment and supplies, such as crutches or wheelchairs. Additionally, it helps pay for brand name prescription drugs and outpatient mental health services.
Who Is Eligible?
The new rule allows residents of Maryland who are 65 or older to enroll in Medicare Supplement B. Unlike some other states, there is no requirement that individuals must have been enrolled in Medicare for eighteen months before they can take advantage of the plan. However, those who have previously been enrolled in traditional Medicare may already be eligible for the plan, even if they are new to the state.
How Much Does It Cost?
The cost of Medicare Supplement B varies depending on the type of coverage an individual chooses. Generally, the more coverage an individual needs, the higher the premium will be. Premiums can range from about $20 per month to over $200 per month, depending on the type of plan selected. The premiums are generally affordable and provide a much-needed resource for those unable to afford traditional Medicare.
Are There Other Benefits?
In addition to providing Medicare Supplemental B coverage, the new rule also allows those who are sixty-five or older to save money on their Medicare Part A (hospital insurance) and Part B (medical insurance) premiums. Depending on an individual’s income, they may qualify for a reduction in their premiums or a complete waiver of their premiums.
How Can I Enroll?
In order to apply for and enroll in Medicare Supplement B, individuals must complete an application form found at the Department of Health and Mental Hygiene’s website. Applications must include proof of identity, residence, and proof of U.S. citizenship or immigration status. Once an application is submitted, the Department will review it and determine eligibility.
Conclusion
Understanding Maryland’s new Medicare Supplement B rules, and taking advantage of them effectively, can help many individuals get the care they need while living comfortably within their means. Knowing how to enroll and what coverage is offered is crucial to making an informed decision and ensuring proper protection and access to quality healthcare.
Understanding Maryland’s new Medicare Supplement B can be an important part of staying informed about the healthcare options available to you. Medicare Supplement B is a policy that provides more comprehensive coverage for health care services offered through Medicare than the Original Medicare (Parts A & B) alone. In Maryland, it covers the deductible and co-insurance amounts of Medicare Part A, as well as the co-insurance amounts for Medicare Part B. Additionally, it can also cover additional costs such as deductibles and coinsurance related to durable medical equipment, skilled nursing facility care, and ambulance services. As a resident of Maryland, it’s important to understand the coverage you’re entitled to, so that you can get the most out of your health care offerings.
