Westmoreland County seniors can choose from a wide range of Medicare and other health insurance products to supplement their traditional Medicare coverage. Use the links below to narrow your options to a specific type of Medicare insurance. If you are looking for more information about your options click here.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Westmoreland County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in Pennsylvania. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of Westmoreland County or throughout the state).
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
MedicareWire.com seeks to take as much of the guess work out of selecting Medicare health insurance as possible. Our goal is to help you narrow down your plan options before you get on the telephone with a licensed adviser. We know from experience that an educated healthcare consumer is more often satisfied with the care they receive than those who don't do their homework.
Medicare Advantage Insurance in Westmoreland County
If you're concerned that Original Medicare might be too expensive (you pay 20% of all costs), then a Westmoreland County Medicare Advantage plan is the first option you need to explore. It's the private health insurance alternative that replaces your Medicare Part A and Part B benefits with a managed care plan (HMO or PPO), or a private fee-for-service plan (available in limited areas).
Monthly premiums in Westmoreland County start at $0.00 and go as high as $253.00. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 20 Medicare Advantage plans offering prescription drug coverage. There are 4 plans that do not include prescription coverage. That's a total of 24 options!
Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
Are you aware that Medicare Advantage has an annual out-of-pocket spending limit? This feature, called the Maximum Out-of-Pocket (MOOP) expense, is what safeguards you from the threat of high medical bills. Each year the Centers for Medicare and Medicaid Services (CMS) sets the maximum and an alternative minimum MOOP that plans may offer, so be sure to look for it when comparing your health insurance options.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Westmoreland County
Original Medicare offers Pennsylvania seniors the most flexibility in their healthcare options, but it also comes with a significant risk: Original Medicare does not have an out-of-pocket limit. This serious risk is the reason the insurance industry offers Medicare Supplemental insurance, also known as Medigap.
Medigap insurance is available in Pennsylvania in ten standardized letter plans, A, B, C, D, F, G, K, L, M and N. There's also a high deductible version of Plan F. Plan A is the most basic and Plan F offers the most coverage possible.
The most important thing to know about Medigap insurance policies is that if Original Medicare doesn’t cover a healthcare service, a Medigap plan won't cover it or any portion of it either. So, unlike Medicare Advantage plans that can offer extras, like coverage for prescription medications, hearing, vision, dental and more, Medicare Supplements are in lock-step with Original Medicare Parts A and B.
Medicare Prescription Drug Plans in Westmoreland County
Most Pennsylvania seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a PDP.
You have a total of 34 Pennsylvania PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $12.60 per month. At the high end, premiums top out at $169.00 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Don't make the mistake of enrolling in a Medicare Part D plan because it's cheap. Your prescription drug insurance is important. Learn more about it by reading Medicare Part D Frequently Asked Questions and Medicare Part D Coverage.
How-To Find a Medicare Doctor in Westmoreland County, Pennsylvania
We've recently added all Westmoreland County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Adamsburg, Apollo, Avonmore, Bolivar, Delmont, Derry, Donegal, Export, Greensburg, Harrison City, Herminie, Hunker, Irwin, Jeannette, Latrobe, Ligonier, Monessen, Mount Pleasant, Murrysville, New Alexandria, New Florence, New Kensington, New Stanton, Norvelt, Rillton, Ruffs Dale, Scottdale, Seward, Smithton, Torrance, Trafford, Vandergrift, West Newton, Youngwood, and surrounding areas.