Medicare Insurance

Medicare Insurance serves the purpose of providing certain society groups with quality medical attention. To qualify for the program, one must be either older than 65 years of age or disabled. Besides, people suffering from end-stage renal disease and requiring the treatment implying dialysis, those who need to have a kidney transplanted or have been diagnosed with Lou Gehrig’s disease can also enroll in the program in question.

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It’s a program known for its complexity: there are quite many eligibility criteria and rules that regulate who, when and to what extent can use the set of services included into a particular part of Medicare.

Medicare Options for Seniors

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To enroll in the program, a person is to sign up either for two parts simultaneously (A and B) or for A only because the P part implies monthly premiums, yet expands the range of services you are eligible to use (see descriptions below). There’s an important thing you must know: if you fail or simply don’t want the B part at the moment of enrollment, you can add this feature later, but you will have to pay a penalty which is calculated as the percentage of the sum for all months you could have used the B part, but preferred not to do it. The pattern is that the premium is increased by 10% for each of 12 months you refused to enroll in Part B, so if you reject the opportunity long enough, it may become quite expensive.

Seniors can become part of Medicare during the period they are supposed to turn 65 or, to be exact, the start of the period is stated as 3 months before the date (including the month when the birthday is) and the end of it is stated as 3 months after it.

The process of enrollment is very easy: if you prefer the online version, go to the www.ssa.gov website and fill in the form − your application will be processed within short time and there’s no need for signing documents offline. The organization representatives will send you your card by mail. If more information is required, you’ll be asked for it online. It’s very convenient for seniors because the lack of the need to go somewhere may be favorable by many: no queues, no waiting.

Medicare Plans Comparison

The program comprises of several modules each of which is aimed at providing a patient with services related to a particular field. The modules or Parts are named alphabetically: A, B, C, and D.

The A Part concerns services delivered at a hospital, thus including nursing, hospice services, and some kind of treatment which can be available at home. In case you need to go to a hospital, you’ll be provided with a semi-private room, prescription drugs needed in your case, and the kind of treatment specific to the illness you want to be cured. You must be warned that some services which could otherwise be considered hospital ones aren’t provided under part A: these include help with daily routine (eating, dressing, etc.).

In case a patient is diagnosed with an illness which is supposed to kill him within 6 months or less, the patient will be provided with a hospice facility where the person will be taken care off, given drugs that alleviate symptoms, etc.

As to the services which may be delivered at home, these include physical / speech therapies as the key services.

This Part is available to all seniors: if you have worked at least for ten years for an employer who provided further Medicare support (which means you had been paying for the program to be used later), you are enrolled automatically. If you don’t meet this criterion, you can opt to enroll yourself. Another option is to use your spouse’s eligibility which can also count as yours.

The B Part is dedicated to med services and requires paying premiums. It’s an extensive field that’s covered by B: laboratory services (tests, etc.), doctor visits, using med equipment for treatment and diagnostics, ambulance services, etc. One of the most important aspects of the B Part is preventive medicine: you will have an opportunity to undergo health exams every year.

Depending on the type of services and drugs provided, copayments, deductibles, etc. may apply.

The rest of the program is represented by the C, D Parts, and Medigap.

The C Part or the so-called Advantage Plans are aimed at extending the A & B Parts, including everything featured in them (with the exception of hospice services) and adding new opportunities, such as dental care, wellness programs, vision and hearing diagnostics and treatment, and an enlarged list of prescription drugs. Utilizing advanced plans doesn’t mean you drop normal Medicare: it’s just the way you use it that changes (via a health plan instead of the federal version of the program).

The D part is dedicated to drug provision only. Keep in mind that enrolling in the D part doesn’t let you drop the A part! All these elements of the complex system are aimed at providing comprehensive care for seniors.