Medicare is a federal health insurance program for people ages 65 and older and people with certain disabilities.[Read more...]

A formulary is a list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Medications not on a plan's formulary are generally not covered.[Read more...]

The General Enrollment Period (GEP) allows beneficiaries to enroll in Medicare Part A and Part B  from January 1 to March 31 if they missed their Initial Enrollment Period. Beneficiaries can also enroll in a Medicare Advantage or Medicare Part D plan from April 1 to June 30.[Read more...]

A generic drug is a prescription medication that has the same active ingredient formula as a brand-name drug. Generic drugs usually cost less than brand-name drugs.[Read more...]

A grievance is a complaint about the way your Medicare Advantage health plan or Medicare Part D drug plan is giving care. A beneficiary may file a grievance if they have a problem calling the plan or if they’re unhappy with the way a staff person at the plan has behaved.[Read more...]

A group health plan is a health plan offered by an employer or employee organization that provides health coverage to employees, their families, and retirees.[Read more...]

An insurance policy that can’t be terminated by the insurance company unless you make untrue statements to the insurance company, commit fraud or don’t pay your premiums. [Read more...]

Guaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting.[Read more...]

A person or organization that’s licensed to give health care. Doctors, nurses, and hospitals are examples of health care providers.[Read more...]

High Deductible Plan F is a version of the regular Medigap Plan F. You pay all costs until spending reaches the annual, then the plan pays all Medicare-approved costs.[Read more...]

The high deductible version of Medicare Supplement Plan G has the same coverage benefits as the regular Medigap Plan G, but you pay all costs until your Medicare-approved costs reach the annual deductible. High Deductible Plan G is only available if you first become eligible for Medicare benefits due to age, disability, or ESRD on or after January 1, 2020.[Read more...]

A type of Medigap policy that has a high deductible but a lower premium. You must pay the deductible before the Medigap policy pays anything. [Read more...]

Health care services and supplies a doctor decides you may receive in your home under a plan of care established by your doctor. Medicare only covers home health care on a limited basis as ordered by your doctor.[Read more...]

Homebound refers to a person who is unable to leave their home due to a medical condition. Homebound individuals can still leave home for brief periods for non-medical reasons such as graduation, family reunions, funerals, and funerals. This condition must be certified by a doctor.[Read more...]

Hospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient.[Read more...]