Nov 10
9
Understanding Your Right To Health Coverage If You Are Over 65
Medicare is health insurance coverage for those over the age of 65, under the age of 65 with specific disabilities and any person with permanent kidney failure. To be eligible, you must have entered in the United States in a way recognized by law and lived for 5 years. The need for a medical program for seniors became apparent in the 1950s, but it was not until 1965 when Congress passed the laws that created Medicare. Just like Social Security, those individuals contribute to Medicare during the years they work. It is a federal program so guidelines for eligibility and services are very similar in all states.
Medicare consists of two parts:
Medicare Part A – This helps to pay for care if you are a patient in a hospital, nursing home or hospice and for care in your home under certain conditions. Many do not pay a month premium for this because it is paid for by taxes that you have paid while working.
Medicare Part B – Helps to pay for doctors services and outpatient care that is medically necessary. It also pays for preventative services such flu shots. In 2008, the standard monthly premium was $96.40.
For the first seven months after your 65th birthday, there is a period where enrolling in Medicare is free. After this enrollment period, it may cost to enroll. Those covered by Medicare are called beneficiaries. Medicare will pay for most of their health care, but not all. That means it will cover most serious medical conditions, those in which the patient will usually recover from. Medicare does not cover the cost of care given to a patient at home, in a nursing facility, for those with recurring disability or longtime illness.
Advantage Plans, provided by medicare, are customized plans to fit medical needs. Some of these plans are covered by private insurance companies and offer prescription programs. Details of the Advantage Plan depend on the certain program chosen and the eligibility of the patient. Advantage Plans are not available in every state.
Signing up for Medicare is very simple, but there are different plans and enrollment periods. If you are receiving Social Security benefits before you turn 65, you will be enrolled in Part A and Part B automatically the month you turn 65. You will receive your Medicare card in the mail three months before your birthday.
When searching for affordable medical insurance log onto gohealthinsurance.com. At this site you can look into Student Health insurance, family or individual plans.
Helpful Articles
Weight Loss By The Numbers.
How I Lost 28 Pounds & 3 Pants Sizes In 3 Weeks! Newly Increased Commissions. Affiliates Receive $18...
2 Meal Solution – *new* For Weight Loss And Health
Intermittent Fasting Is Becoming A Popular Realistic Lasting Approach For Weight Loss And Health In The Mainstream...
Lap Band Weight Loss Surgery Insurance Secrets
Lap Band Weight Loss Surgery Is Now The Most Popular Weight Loss Surgery Procedure In The World. Thousands Of People Each Year Struggle To Get Their Insurance To Pay For It...