At HaysMed, we’re committed to helping our patients make informed healthcare decisions. We want to share that HaysMed is not contracted with most Medicare Advantage plans. This means our providers and services would be considered out-of-network, resulting in higher costs for you.
To ensure you have the coverage that best supports your care, we encourage you to connect with the Northwest Kansas Area Agency on Aging in Hays or speak with your insurance agent. They can offer personalized guidance and help you explore options that align with your healthcare needs.
Kansas Hospital Association
Navigating Medicare Options for Kansas Seniors and Caregivers
As the Medicare open enrollment period approaches (Oct. 15-Dec. 7), now is the time for Kansas seniors and their families/caregivers to compare the benefits of Original Medicare plans versus Medicare Advantage. Accurate, helpful information is key to making the best choice about which Medicare option makes the most sense for you or your loved ones.
Medicare Advantage plans – which are privately insured alternatives to Original Medicare – cover all traditional Medicare health services. In addition, they usually include other benefits like vision, dental, and wellness programs. Some plans may offer free or discounted gym memberships or coverage for prescription drugs not included in Original Medicare. However, Medicare Advantage plans are typically limited to a narrower network of doctors and hospitals – and they require pre-authorization for certain services and medications – all of which can delay care, especially in rural areas with fewer in-network provider options.
By contrast, Original Medicare is federally funded and offers extensive access to providers nationwide. Beneficiaries can visit any doctor or hospital that accepts Medicare, which helps ensure access to timely care even in small communities.
Many will notice that Medicare Advantage plans often have lower premiums, but it’s important to realize that doesn’t account for other costs – such as copayments, coinsurance, and deductibles. While the lower premiums may be appealing, the out-of-pocket expenses can add up quickly. A recent Kaiser study found that about half of all Medicare Advantage enrollees pay more for a seven-day hospital stay than those in Original Medicare.
By understanding the differences and considering all costs and requirements, people who are eligible for Medicare can make informed decisions that best suit their health care needs. If this topic applies to you or someone you care for, resources are readily available to assist you: Visit medicare.gov or call 1-800- MEDICARE to speak to a Medicare representative who can help you understand and compare plan options. Empower yourself with the right information – and the right health plan – for good health.
The Kansas Hospital Association is a voluntary, non-profit organization existing to be the leading advocate and resource for members. KHA membership includes 242 member facilities, of which 124 are full-service, community hospitals. Founded in 1910, KHA’s vision is: “Optimal Health for Kansans and Kansas Hospitals.
Related press release: Understand Your Options Before Open Enrollment
