Medicare Made Simple: Navigating Healthcare After 65 Trusted Non-Government Source. This publication has not been endorsed or evaluated by Medicare. It is not associated with the Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.
202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 2 Table of Contents Chapter 1: Understanding Medicare 3 Introduction to Medicare 3 Overview of Medicare Parts 4 Eligibility Criteria for Medicare Enrollment 5 Explaining Medicare Advantage Plans 6 Summary 6 Chapter 2: Exploring Medicare Coverage Options 7 Medicare Supplemental Insurance Plans for Seniors 7 Prescription Drug Coverage under Medicare Part D 7 Medicare Advantage vs. Original Medicare 8 Summary 9 Chapter 3: Navigating Enrollment and Eligibility 10 Medicare Enrollment Deadlines and Penalties 10 Special Enrollment Periods and Qualifying Events 11 Medicare Eligibility Criteria for Individuals Under 65 12 Summary 13 Chapter 4: Managing Costs and Benefits 14 Understanding Medicare Costs and Premiums 14 Explaining Medicare Part A Hospital Insurance Benefits 16 Deciphering Medicare Part B Premiums and Deductibles 17 Summary 18 Chapter 5: Tailoring Medicare to Your Needs 19 Choosing the Right Medicare Plan for Chronic Conditions 19 Tips for Finding the Best Medicare Plan for Your Needs 20 Changing Your Medicare Plan: What You Need to Know 21 Summary 22 Conclusion 23 Recap of Key Points 23 Resources for Further Assistance 24 Taking Charge of Your Healthcare After 65 24
Introduction to Medicare Medicare is a federal health insurance program designed to provide coverage for eligible individuals, primarily those aged 65 and older, as well as certain younger individuals with disabilities. Understanding how Medicare works and the coverage options available is crucial for making informed decisions about your healthcare. Chapter 1: Understanding Medicare 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 3
Medicare is divided into four parts, each covering different aspects of healthcare services: Overview of Medicare Parts Medicare Part A: Also known as hospital insurance, Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services. Most people do not pay a premium for Part A if they or their spouse paid Medicare taxes while working. Medicare Part D: Part D offers prescription drug coverage through private insurance companies approved by Medicare. It helps lower the cost of prescription medications and protects against higher costs in the future. Beneficiaries typically pay a monthly premium for Part D coverage, in addition to any premium for Part B. Medicare Part B: Part B, or medical insurance, covers certain doctor's services, outpatient care, medical supplies, and preventive services. Beneficiaries typically pay a monthly premium for Part B coverage, which is based on their income. Medicare Part C (Medicare Advantage): Part C, also known as Medicare Advantage, is offered by private insurance companies approved by Medicare. These plans provide all of your Part A and Part B coverage and may offer additional benefits. Medicare Advantage plans often have their own network of doctors and hospitals. Chapter 1: Understanding Medicare Understanding the different parts of Medicare and what they cover is essential for determining the best coverage options for your healthcare needs. 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 4
To be eligible for Medicare, you must meet one of the following criteria: Most individuals become eligible for Medicare automatically when they turn 65 and are receiving Social Security. If you are not automatically enrolled, you can sign up for Medicare during specific enrollment periods. Eligibility Criteria for Medicare Enrollment Age: You are aged 65 or older. Disability: You have been receiving Social Security disability benefits for at least 24 months. End-Stage Renal Disease (ESRD): You have permanent kidney failure requiring dialysis or a kidney transplant. Amyotrophic Lateral Sclerosis (ALS): You have been diagnosed with ALS, also known as Lou Gehrig's disease. 1 2 3 4 Chapter 1: Understanding Medicare 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 5
Medicare Advantage plans, also known as Part C, are an alternative way to receive your Medicare benefits. These plans are offered by private insurance companies approved by Medicare and provide all of your Part A and Part B coverage, along with additional benefits not covered by Original Medicare. Explaining Medicare Advantage Plans Chapter 1: Understanding Medicare Understanding the fundamentals of Medicare, including its different parts and eligibility criteria, is essential for navigating the complex world of healthcare coverage. Whether you choose Original Medicare or a Medicare Advantage plan, knowing your options and enrolling in the plan that best fits your needs can help ensure you receive the care and support you deserve. Stay informed about changes to Medicare policies and review your coverage annually to ensure it continues to meet your healthcare needs. Summary 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 6
Chapter 2: Exploring Medicare Coverage Options Medicare supplemental insurance plans, also known as Medigap policies, are designed to fill the gaps in coverage left by Original Medicare (Parts A and B). These plans are offered by private insurance companies and can help cover out-of-pocket costs such as deductibles, copayments, and coinsurance. It's important to note that Medigap plans do not cover services that Medicare does not. Medigap plans are standardized and labeled with letters (A, B, C, D, F, G, K, L, M, and N), each offering a different level of coverage. When choosing a Medigap plan, it's essential to consider your healthcare needs and budget. When considering a Medigap policy, it's essential to compare plan premiums, coverage benefits, and insurer ratings. While Medigap policies typically have higher premiums than other Medicare options, they can provide peace of mind by minimizing out-of-pocket expenses associated with healthcare services. Medicare Part D offers prescription drug coverage through private insurance companies approved by Medicare. These plans help lower the cost of prescription medications and protect against higher costs in the future. Part D plans vary in cost and coverage, so it's crucial to compare plans based on the medications you take and their formulary (list of covered drugs). When choosing a Part D plan, consider factors such as monthly premiums, annual deductibles, copayments, or coinsurance for prescriptions and which pharmacies are in the plan's network. You can use the Medicare Plan Finder tool on Medicare's official website to compare Part D plans available in your area and find the one that best meets your needs. Medicare beneficiaries should also be aware of the importance of reviewing their Part D coverage annually during the open enrollment period (October 15 to December 7). During this time, beneficiaries can compare plans and make changes to ensure their prescription drug needs are adequately covered for the following year. Medicare Supplemental Insurance Plans for Seniors Prescription Drug Coverage under Medicare Part D 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 7
Choosing between Medicare Advantage and Original Medicare (Parts A and B) depends on your individual healthcare needs and preferences. Here are some key factors to consider when comparing the two options: Ultimately, the decision between Medicare Advantage and Original Medicare depends on your individual healthcare needs, budget, and preferences. Take the time to compare your options and choose the plan that best fits your lifestyle and medical requirements. Medicare Advantage vs. Original Medicare Coverage: Medicare Advantage plans often offer additional benefits not covered by Original Medicare. However, Original Medicare allows you to see any doctor or specialist who accepts Medicare, whereas Medicare Advantage plans may have a network of providers. Cost: Medicare Advantage plans typically have lower monthly premiums than Original Medicare, but you may pay more out-ofpocket costs, such as copayments and coinsurance, for services. Original Medicare, on the other hand, may have higher premiums but fewer out-of-pocket costs if you have supplemental coverage like Medigap. Flexibility: With Original Medicare, you have the flexibility to see any doctor or specialist who accepts Medicare without needing a referral. Depending on the plan's rules, Medicare Advantage plans may require you to choose a primary care physician and obtain referrals for specialist care. Extra Benefits: Medicare Advantage plans often include additional benefits like fitness memberships, transportation services, and wellness programs, which can enhance your overall health and well-being. 1 2 3 4 Chapter 2: Exploring Medicare Coverage Options 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 8
Exploring Medicare coverage options can feel overwhelming, but understanding the different plans available can help you make informed decisions about your healthcare. Whether you choose a Medicare Supplement plan to complement Original Medicare or opt for the comprehensive coverage of a Medicare Advantage plan, reviewing your options and selecting the plan that best meets your needs is essential for maintaining your health and financial security in retirement. Be sure to evaluate your coverage annually and make adjustments as needed to ensure you continue to receive the care and support you deserve. Summary Chapter 2: Exploring Medicare Coverage Options 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 9
Chapter 3: Navigating Enrollment and Eligibility Enrolling in Medicare and understanding eligibility criteria are critical steps in accessing healthcare coverage for individuals aged 65 and older. In this chapter, we explore the intricacies of Medicare enrollment, including deadlines, special enrollment periods, and eligibility requirements for both seniors and individuals under 65 with certain disabilities. Enrolling in Medicare at the right time is crucial to avoid potential penalties and gaps in coverage. For most individuals, the Initial Enrollment Period (IEP) begins three months before their 65th birthday, includes their birth month, and extends for three months afterward. It's essential to enroll during this period to avoid late enrollment penalties for Medicare Parts A and B. If you miss your Initial Enrollment Period, you may sign up during the General Enrollment Period (GEP), which runs from January 1st to March 31st each year. However, enrolling during the GEP may result in higher premiums and delayed coverage. Additionally, if you delay enrolling in Medicare Part B because you have other coverage, such as through an employer or union, you may be eligible for a Special Enrollment Period (SEP) when that coverage ends. It's essential to understand your enrollment deadlines and eligibility criteria to avoid penalties and gaps in coverage. Medicare Enrollment Deadlines and Penalties 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 10
Losing other health coverage (such as employer-sponsored insurance) Leaving or joining a nursing home or skilled nursing facility Changes in your Medicaid eligibility Moving to a new area with different Medicare plan options Becoming eligible for both Medicare and Medicaid (dual eligibility) Certain life events may qualify you for a Special Enrollment Period (SEP) to enroll in Medicare outside of the Initial Enrollment Period or General Enrollment Period. Qualifying events may include: If you experience a qualifying event, you typically have up to eight months to enroll in Medicare or make changes to your existing coverage. Taking advantage of a Special Enrollment Period can help ensure you have the healthcare coverage you need when life circumstances change. Special Enrollment Periods and Qualifying Events Chapter 3: Navigating Enrollment and Eligibility 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 11
While Medicare is primarily for individuals aged 65 and older, certain younger individuals with disabilities or specific medical conditions may also qualify for Medicare coverage. Eligibility criteria for Medicare under 65 include: Understanding the eligibility criteria for Medicare under 65 is essential for individuals with disabilities or specific medical conditions who may require healthcare coverage before reaching the age of 65. Medicare Eligibility Criteria for Individuals Under 65 Receiving Social Security Disability Benefits: Individuals who have been receiving Social Security disability benefits for at least 24 months are generally eligible for Medicare, including Parts A and B. End-Stage Renal Disease (ESRD): Individuals with permanent kidney failure requiring dialysis or a kidney transplant may qualify for Medicare, regardless of age. Amyotrophic Lateral Sclerosis (ALS): Individuals diagnosed with ALS, also known as Lou Gehrig's disease, are eligible for Medicare benefits immediately upon receiving disability benefits from the Social Security Administration. 1 2 3 Chapter 3: Navigating Enrollment and Eligibility 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 12
Navigating Medicare enrollment and eligibility can be complex, but understanding the deadlines, qualifying events, and eligibility criteria is essential for ensuring you have timely access to healthcare coverage. Whether you're approaching age 65, experiencing a life event, or eligible for Medicare under 65 due to disability or medical condition, being informed about your options and enrollment process can help you avoid penalties and gaps in coverage. Be sure to stay up-to-date on Medicare policies and deadlines and seek guidance from Medicare resources or qualified professionals as needed to make informed decisions about your healthcare coverage. Summary Chapter 3: Navigating Enrollment and Eligibility 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 13
Medicare Part A: For most people, there is no monthly premium for Medicare Part A if they or their spouse paid Medicare taxes while working. However, there are other costs to consider, such as deductibles, coinsurance, and copayments for certain services. Medicare Part B: Part B requires a monthly premium, which is based on your income. Most beneficiaries pay the standard premium amount set by Medicare, but higher-income individuals may pay a higher premium. In addition to the premium, Part B also has an annual deductible and coinsurance or copayments for covered services. 1 2 Understanding Medicare Costs and Premiums When it comes to Medicare, understanding the costs associated with each part of the program is essential for managing your healthcare expenses effectively. Here's a breakdown of the key costs and premiums you may encounter: Managing costs and maximizing benefits are central concerns for Medicare beneficiaries seeking to make the most of their healthcare coverage. In this chapter, we delve into the various expenses associated with Medicare, including premiums, deductibles, and copayments, while also exploring the range of benefits available under different parts of the program. Chapter 4: Managing Costs and Benefits 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 14
Understanding these costs and premiums can help you budget for your healthcare expenses and choose the Medicare coverage options that best fit your needs and financial situation.For the most accurate and comprehensive Medicare information, it is strongly advised to consult the official Medicare website at Medicare.gov or directly contact Medicare at Medicare.gov, 1-800-MEDICARE (TTY users: 1-877-486-2048) Medicare Part C (Medicare Advantage): Medicare Advantage plans often have monthly premiums in addition to the Part B premium, if applicable. These premiums vary depending on the plan and may include additional out-ofpocket costs such as deductibles, copayments, and coinsurance. Medicare Part D: Part D prescription drug plans also have monthly premiums, which vary depending on the plan and the level of coverage you choose. In addition to the premium, Part D plans may have deductibles, copayments, and coinsurance for prescription medications. 3 4 Chapter 4: Managing Costs and Benefits 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 15
Medicare Part A, also known as hospital insurance, covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services. Here's an overview of the benefits provided by Part A: Understanding the benefits provided by Medicare Part A can help you make informed decisions about your healthcare and plan for potential outof-pocket costs. Explaining Medicare Part A Hospital Insurance Benefits • Inpatient Hospital Stays: Part A covers semi-private rooms, meals, general nursing, and other hospital services and supplies. It does not cover private-duty nursing, a television or phone in your room, or personal care items like razors or slippers. • Skilled Nursing Facility Care: Part A covers care in a skilled nursing facility as long as it's medically necessary for you to have skilled care and the facility is certified by Medicare. This coverage includes semi-private rooms, meals, skilled nursing care, and rehabilitative services. • Hospice Care: Part A covers hospice care for terminally ill patients who have a life expectancy of six months or less. This includes palliative care, medications for pain relief and symptom management, and support services for patients and their families. • Home Health Care: Part A covers medically necessary parttime or intermittent skilled nursing care, physical therapy, speech-language pathology services, and occupational therapy. It also covers home health aide services if you need skilled nursing care. Chapter 4: Managing Costs and Benefits 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 16
Medicare Part B, also known as medical insurance, covers certain doctor's services, outpatient care, medical supplies, and preventive services. Here's what you need to know about Part B premiums and deductibles: Understanding the costs associated with Medicare Part B, including premiums, deductibles, and coinsurance, can help you budget for your healthcare expenses and make informed decisions about your coverage options. Deciphering Medicare Part B Premiums and Deductibles Chapter 4: Managing Costs and Benefits Monthly Premiums: Most beneficiaries pay the standard Part B premium amount set by Medicare, which is adjusted annually based on income. Higher-income individuals may pay a higher premium. It's important to pay your Part B premium on time to avoid a late enrollment penalty. Annual Deductible: Part B also has an annual deductible, which is the amount you must pay out of pocket for covered services before Medicare begins to pay its share. Once you meet the deductible, you typically pay 20% of the Medicare-approved amount for most doctor's services, outpatient therapy, and durable medical equipment. 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 17
Managing costs and understanding benefits are essential aspects of navigating Medicare effectively. By understanding the costs and premiums associated with each part of Medicare, as well as the benefits provided by Part A and Part B, you can make informed decisions about your healthcare coverage and budget for potential out-of-pocket expenses. Be sure to review your Medicare coverage annually and explore your options to ensure you have the coverage you need at a cost that fits your budget. Summary Chapter 4: Managing Costs and Benefits 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 18
Coverage for Specialist Care: If you have a chronic condition that requires ongoing specialist care, such as diabetes or heart disease, consider a Medicare plan that offers access to a broad network of specialists. Ensure that your plan covers visits to specialists without requiring a referral from your primary care physician. Prescription Drug Coverage: Many chronic conditions require ongoing medication management. When choosing a Medicare plan, look for one that includes comprehensive prescription drug coverage (Part D) to help lower the cost of your medications. Be sure to review the plan's formulary to ensure your medications are covered. Coverage for Chronic Disease Management Programs: Some Medicare Advantage plans offer additional benefits, such as chronic disease management programs, to help individuals manage their conditions more effectively. These programs may include educational resources, personalized care plans, and access to support services. Flexibility to Access Care: Consider whether you prefer the flexibility to see any doctor or specialist who accepts Medicare (Original Medicare) or if you're willing to use a network of providers (Medicare Advantage). Choose a plan that aligns with your preferences and allows you to access the care you need without restrictions. 1 2 3 4 Choosing the Right Medicare Plan for Chronic Conditions For individuals with chronic conditions, selecting the right Medicare plan is crucial for managing their health effectively. Here are some considerations when choosing a Medicare plan tailored to your needs: Tailoring your Medicare plan to meet the specific needs of your chronic condition can help you better manage your health and improve your overall quality of life. Chapter 5: Tailoring Medicare to Your Needs 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 19
Finding the best Medicare plan for your needs requires careful consideration of your healthcare preferences, budget, and coverage requirements. Here are some tips to help you navigate the process: By following these tips, you can find the Medicare plan that best meets your healthcare needs and provides peace of mind for the years ahead. Tips for Finding the Best Medicare Plan for Your Needs 1. Assess Your Healthcare Needs: Start by assessing your current healthcare needs, including any chronic conditions, prescription medications, and preferred doctors or specialists. 2. Review Your Coverage Options: Compare the different Medicare plans available in your area, including Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) plans. Consider factors such as coverage, costs, and additional benefits. 3. Consider Your Budget: Evaluate your budget and determine how much you can afford to spend on monthly premiums, deductibles, copayments, and coinsurance. Choose a plan that provides the coverage you need at a cost you can afford. 4. Research Plan Ratings and Reviews: Take the time to research plan ratings and reviews from other beneficiaries to get a sense of the plan's quality and customer satisfaction. 5. Consult with a Licensed Insurance Agent: If you're unsure which plan is best for you, consider consulting with a licensed insurance agent who can provide personalized guidance and recommendations based on your individual needs and preferences. Chapter 5: Tailoring Medicare to Your Needs 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 20
If your healthcare needs change or you're dissatisfied with your current Medicare plan, you have the option to change your coverage during certain enrollment periods. Here's what you need to know about changing your Medicare plan: When considering changing your Medicare plan, be sure to review your options carefully and consider factors such as coverage, costs, provider networks, and prescription drug coverage. It's also essential to understand any potential consequences, such as losing access to certain benefits or facing penalties for late enrollment. Changing Your Medicare Plan: What You Need to Know 1. Annual Enrollment Period (AEP): The Annual Enrollment Period occurs each year from October 15th to December 7th. During this time, you can switch from Original Medicare to a Medicare Advantage plan, switch from one Medicare Advantage plan to another, or enroll in a Part D prescription drug plan. 2. Medicare Advantage Open Enrollment Period (MA OEP): The Medicare Advantage Open Enrollment Period runs from January 1st to March 31st each year. During this time, individuals enrolled in a Medicare Advantage plan have the option to switch to another Medicare Advantage plan or return to Original Medicare with or without a Part D plan. 3. Special Enrollment Periods (SEPs): In certain circumstances, you may qualify for a Special Enrollment Period outside of the standard enrollment periods. Qualifying events may include moving to a new area, losing other health coverage, or experiencing changes in your Medicaid eligibility. Chapter 5: Tailoring Medicare to Your Needs 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 21
Tailoring your Medicare coverage to meet your specific needs is essential for managing your health effectively and ensuring you have access to the care and support you need. By choosing the right Medicare plan for your chronic conditions, following tips for finding the best coverage, and understanding the process for changing your plan when needed, you can take control of your healthcare and enjoy peace of mind in your retirement years. Be proactive in reviewing your coverage annually and exploring your options to ensure you continue to receive the care and support you deserve. Summary Chapter 5: Tailoring Medicare to Your Needs 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 22
Recap of Key Points As you embark on your Medicare journey, it's essential to feel empowered and informed about your healthcare options. Throughout this guide, we've explored the various aspects of Medicare, from understanding the different parts of the program to navigating enrollment, managing costs, and tailoring your coverage to meet your individual needs. Now, let's recap some key points and provide resources for further assistance to help you take charge of your healthcare after 65. Conclusion Understanding Medicare Parts: Medicare is divided into several parts, each covering different aspects of healthcare services. It's important to understand the benefits and coverage options provided by each part to make informed decisions about your healthcare coverage. Enrollment and Eligibility: Knowing when and how to enroll in Medicare is crucial for avoiding penalties and gaps in coverage. Be aware of enrollment deadlines, special enrollment periods, and eligibility criteria based on age, disability, or medical conditions. Managing Costs and Benefits: Medicare costs and premiums can vary depending on the plan you choose and your individual healthcare needs. Understanding the costs associated with each part of Medicare, as well as the benefits provided, can help you budget for your healthcare expenses effectively. Tailoring Your Medicare Plan: Choosing the right Medicare plan for your needs, especially if you have chronic conditions, requires careful consideration of coverage options, provider networks, and prescription drug coverage. Tailor your Medicare plan to meet your specific healthcare needs and preferences. 1 2 3 4 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 23
Taking Charge of Your Healthcare After 65 As you navigate the complexities of Medicare, remember that you are in control of your healthcare journey. By staying informed, asking questions, and exploring your options, you can make confident decisions about your healthcare coverage and take charge of your health and well-being after 65. Remember to review your Medicare coverage annually, stay up-to-date on changes to Medicare policies, and seek assistance from trusted resources whenever needed. • Medicare.gov: The official Medicare website offers a wealth of resources and information to help you understand your coverage options, compare plans, and find answers to frequently asked questions. • State Health Insurance Assistance Programs (SHIPs): SHIPs provide free, personalized counseling and assistance to Medicare beneficiaries and their families. Contact your local SHIP for unbiased guidance on Medicare enrollment, coverage options, and benefits. • Medicare & You Handbook: The Medicare & You Handbook is an annual publication provided by Medicare that contains detailed information about Medicare coverage, costs, and enrollment. You can access the handbook online or request a printed copy from Medicare. Resources for Further Assistance 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 24
Disclosure This eBook serves as general information regarding Medicare and is intended solely for educational purposes. Not Affiliated with or endorsed by the U.S. Government, the federal Medicare program, the PSHB Program, USPS, or any Provider. The information provided herein should not be construed as professional advice or counseling of any kind. Please note that Medicare regulations, rules, and coverage particulars are subject to frequent updates and revisions. Therefore, the information presented in this eBook cannot be considered current or an exhaustive analysis of the topics discussed. This publication has not been reviewed, approved, or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any other governmental body. Certain examples, calculations, and scenarios presented within are for illustrative purposes only and may be hypothetical or simplified. Links or references to external websites may be included within this eBook; however, the author bears no responsibility for the content of these sites, and their inclusion does not imply endorsement. It is essential to recognize that Medicare imposes specific guidelines on non-governmental entities disseminating information, such as eBook authors. While this eBook aims to provide general insights into Medicare, it cannot serve as a comprehensive guide for enrollment, plan selection, claims, appeals, or other Medicare-related processes. For the most accurate and comprehensive Medicare information, it is strongly advised to consult the official Medicare website at Medicare. gov or directly contact Medicare at Medicare.gov, 1-800-MEDICARE (TTY users: 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP). Additionally, seeking guidance from a licensed insurance professional is recommended for personalized assistance with Medicarerelated decisions. 202404PMED3MDSIMPLE www.USPS-Health-Benefits-Plan.com 25
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