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MEDICARE, is a federal health insurance program that covers hospitalization and medical expense protection insurance for:
- People 65 years of age or older.
- Under 65 who have a certain disability.
- People with kidney disease in the terminal phase (also known as ESRD).
- Those people suffering from amyotrophic lateral sclerosis, also called Lou Gehrig's disease.
Medicare helps with the cost of health care, but it does not cover all medical expenses.
Medicare is made up of several parts which help cover different services:
(hospital insurance).
It helps pay for the stay of patients in the hospital, including care in a skilled nursing facility, hospice care, and some home health care services.
(health insurance).
Covers certain services needed for medical reasons, such as ambulatory health care, medical supplies and services of prevention. Part B helps pay for some services and products not covered by Part A.
Some people get Medicare Part A and Medicare Part B automatically, other people, depending on the circumstances, you may need to request them.
You must enroll in Part B when you are first eligible, but if you enroll you may have to pay a late enrollment penalty while you have Medicare.
(Medicare Advantage plans).
This type of Medicare health plan is offered by a private company that has a contract with Medicare. Medicare plans Advantage combine the benefits of Part A and Part B , and many also include coverage of Part D , (they are another way to that beneficiaries receive the benefits of Parts A, B and D ). Additional benefits are included, for example, care of vision, hearing; routine dental services or dentures. These plans must cover all services that are necessary for medical reasons. The annual enrollment period to enroll in Medicare Advantage is between October 15 and December 7.
(prescription drug coverage).
It helps pay for prescription drugs. The plans of the Part D are sold by private companies. You can register a member in a Part D plan, having both Part A and B or Part A or B . Anyone with Part A or B is eligible for Part D . To receive this benefit, a person with Medicare must enroll in a Prescription Drug Plan (Prescription Drug Plan, PDP), or you can stop using Original Medicare and receive drug coverage through of the Medicare Advantage plan with prescription drug coverage (MA-PD) or sometimes through a Medicare Advantage (MA) plan and an independent PDP plan. The annual registration period is between October 15 and December 7.
There is a penalty on the premium equivalent to 1% of the standard national premium for each month that a beneficiary could have had coverage of the Part D and chose not to register. There is no penalty for people who qualify for additional help for low income.
Normally, Original Medicare covers 80% of Part A and 80% of Part B. However, if you need to get benefits not covered by Original Medicare, Medicare Advantage plans provide you with the benefits offered by Original Medicare and many more. Contact me if you need help to know in detail the entire registration process. It will be a pleasure to help you!
Medicare beneficiaries can also enroll in Medicare Advantage through the CMS Medicare Online Enrollment Center located at es.medicare.gov.