United Services
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Medicare
What is Medicare (Parts A and Part B)
Medicare is a government health insurance program mainly for people aged 65 and older, but also for some younger people with disabilities. It has two main parts:
- Medicare (Part A): Covers hospital stays and some types of care.
- Medicare (Part B): Covers doctor visits, outpatient care, and certain medical services.
What is Medicare (Part C)?
Medicare Advantage (Part C) is a health plan offered by private companies that works with Medicare. It covers everything that Original Medicare does, like hospital and doctor visits, but also often includes extra benefits like dental, vision, prescription drugs, and sometimes services like transportation or food assistance. Many people choose Medicare Advantage for extra coverage and possibly lower costs.
What is Medicare (Part D)?
Medicare (Part D) is a prescription drug plan that helps cover the cost of prescription medications through private insurance companies approved by Medicare. It can be added to Original Medicare or included in a Medicare Advantage plan to help reduce out-of-pocket costs for both brand-name and generic drugs.
Is Medicare Advantage (Part C)
a Good Choice for Me?
Medicare Advantage is a highly cost-efficient option for many people because it often offers lower out-of-pocket costs compared to Original Medicare. It bundles hospital, medical, and sometimes extra benefits into one plan, which can help reduce overall healthcare expenses. The plans typically have lower premiums and may offer additional savings through reduced copays and deductibles.
However, Medicare Advantage isn’t for everyone. Some people may prefer the flexibility of Original Medicare, especially if they want more choice in doctors or don’t want to use a network. It’s important to carefully compare plans, as costs and coverage can vary.
Am I qualified for medicare?
- Must be a U.S. citizen, legal resident, or meet immigration requirements.
- Are age 65 or older, or under 65 with a qualifying disability.
- Have paid Medicare taxes for at least 10 years or are married to someone who has.
How True United Can Help You with Your Current Medicare Advantage Plan (Part C)?
True United can help with your current plan by help coordinating, reviewing allotments, and answering questions for the following Medicare Advantage benefits:
- Food & OTC Benefits: Assistance with reviewing your over-the-counter item coverage and food assistance allotment, ensuring you receive the highest possible amount available.
- Dental Services: Help with understanding and coordinating dental coverage, including routine checkups, cleanings, fillings, extractions, and major procedures like crowns and dentures.
- Emergency Services: Guidance on filing claims for emergency care.
- Medical Equipment and Devices: Support in obtaining durable medical equipment (DME) like wheelchairs, oxygen, and other necessary devices, with the proper prescriptions from your doctor.
- Skilled Nursing: Help navigating coverage for skilled nursing care and rehabilitation services, whether in a facility or at home.
- Home Care: Assistance with coordinating home health services.
- Drug Coverage: Review of your prescription drug coverage to help reduce medication costs, identify the lowest-cost options, and explore potential savings.
- Physical Therapy: Support in understanding and accessing physical therapy services for rehabilitation and recovery from injuries or surgeries.
- Transportation: Help coordinate non-emergency transportation to doctor appointments and medical services.
- Wellness Programs: Guidance on fitness memberships, health screenings, and other preventive services to promote overall wellness, including helping you find locations and services near you.
- And much more: Additional benefits and services may vary by plan, and we are here to answer all your questions and help you navigate your coverage.
At True United, we are committed to ensuring you have the best possible Medicare Advantage plan with the most benefits. Insurance carriers are constantly updating their plans to stay competitive, and we’re here to make sure you are always on the best option with your current carrier. With your current carrier, we will review your plan to identify available upgrades and ensure you have access to the most cost-effective and comprehensive coverage.
We will monitor your plan closely to ensure you’re receiving the highest possible benefits and are always getting the most value out of your coverage. At True United, we’re not just managing your plan—we’re actively monitoring it to ensure you receive the best possible care and benefits.
ACA Health Insurance
Created by the Affordable Care Act (ACA), the ACA Marketplace, or Health Insurance Marketplace, helps people find and sign up for health insurance. It makes health insurance more affordable and accessible. For immigrants who do not qualify for state insurance, the marketplace offers affordable plans, some of which may be free or low-cost, with financial help based on income.
What Does ACA Health Insurance Cover?
The ACA Marketplace offers health insurance plans that cover a wide range of services, including:
- Doctor Visits: Primary care and specialist appointments.
- Prescription Drugs: Medications and treatments.
- Hospital Stays: Inpatient care and surgeries.
- Preventive Care: Screenings, vaccines, check-ups, and cancer screenings
- Emergency Care: Emergency room visits and ambulance services.
- Rehabilitative Care: Physical therapy and recovery services.
- Pregnancy: Pregnancy, childbirth, and baby care.
- Mental Health Care: Counseling, therapy, and treatment.
All ACA Marketplace plans must cover these essential health benefits, ensuring you have comprehensive coverage.
Is ACA Health Insurance a Good Choice for Me?
Yes! The ACA Marketplace offers several advantages for immigrants and underserved communities compared to other healthcare plans:
No Immigration Status Limits: ACA health insurance is available to many immigrants who don’t qualify for state insurance, giving more people access to coverage.
More Plan Choices: The ACA Marketplace offers a variety of plans with broader networks of doctors, hospitals, and specialists, giving you more flexibility compared to state insurance programs, which may have more limited options.
Portable Coverage: ACA plans can be used in any state, so if you move or travel, you won’t lose your coverage. With state insurance programs like Medicaid, coverage doesn’t transfer between states, and you can only use it for emergencies when visiting another state.
Am I Eligible for ACA Health Insurance?
- Citizenship or Legal Status - you must be a U.S. citizen, national, or qualified immigrant.
- U.S. Resident: You must live in the U.S. and the state where you apply.
- Income: Your income must meet specific guidelines to get help with costs.
- No other Affordable Insurance: You can't have other affordable health coverage.
- Age: Available for children, adults, and pregnant women.
Undocumented immigrants are not eligible for health coverage through the ACA Marketplace, but their children may be eligible for coverage under the Children’s Health Insurance Program (CHIP), depending on the state.
How True United Can Help You with ACA Health Insurance?
At True United, we understand that applying for ACA health insurance can feel overwhelming, especially for immigrant families. Our team is here to guide you through every step of the process, ensuring you get the coverage you need with personalized assistance and support.
- Check if You Qualify: We’ll help you determine if you qualify for ACA health insurance.nce.
- Complete the Application: We assist with filling out forms, gathering documents, and submitting everything on time.
- Answer your Questions: our team is here to guide you, explain your options, and address any challenges.
- Get Affordable Coverage: We’ll help you find the best plan and help you qualify for the most tax credits.
- Trusted Support: With True United, you have a partner to help you every step of the way in accessing healthcare.
As carriers occasionally update their networks, providers, and services, and as subsidy amounts change, True United will be there to support you every step of the way, ensuring a lifetime of guidance and care.
State Insurance
State insurance, known as Medicaid, provides free or low-cost health coverage for eligible individuals and families, including children. Some may pay a small fee based on income.
What Does State Insurance Cover?
State Insurance covers essential healthcare services, including:
- Doctor visits
- Prescription medications
- Hospital stays
- Preventative services
- Emergency services
- Mental health services
- Pregnancy
When you receive state insurance, you’ll have access to all these services to stay healthy and receive the care you and your family need.
Is State Health Insurance a Good Choice for Me?
State insurance programs like Medicaid provide comprehensive, affordable healthcare coverage for families who need it most. If you qualify, it’s a reliable way to receive essential health coverage for you and your loved ones.
Am I Eligible for State Insurance?
Eligibility for State Insurance in Washington (Apple Health) and Oregon (OHP):
- Citizenship or Legal Status: Must be a U.S. citizen, national, or qualified immigrant.
- U.S. Resident: You must live in the U.S. and the state where you apply.
- Income: Must meet income guidelines for your household size.
- Age: Available for children, adults, and pregnant women.
What is the 5-Year Waiting Period?
For qualified immigrants, federal law may require a five-year waiting period before becoming eligible for state insurance. The waiting period begins when you receive your immigration status, not when you first arrive in the U.S. If you have questions about your status or the waiting period, please contact us and we will help you understand your options. Children and pregnant women are exempt from this waiting period.
How True United Can Help You with State Insurance?
At True United, we understand applying for insurance can feel overwhelming, especially for immigrant families. We are here to support you through every step of the way:
- Check Eligibility: We’ll help you understand if you’re eligible for state insurance or other healthcare plans.
- Complete Applications: We’ll help you fill out forms, gather documents, and submit everything on time.
- Answer your Questions: We’re here to explain the process and help you overcome any challenges.
- Trusted Support: You’ll have a trusted and caring partner for your healthcare journey from the moment you partner with us.
