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What Is Medicare?

Medicare is a health insurance program funded by the U.S. government. Medicare provides financial assistance for a range of medical services.

The program was established in 1965 due to amendments made to the Social Security Act, providing coverage for seniors aged 65 and older, who lacked health insurance.

Reasons to ‘Say Yes’ to Medicare:
  • You will turn 65 soon. This is the perfect age to look into Medicare plans that offer the benefits you will need in the following periods.
  • You have a disability. Depending on the type of disability you encounter, you may qualify for Medicare by age 65 if you get disability benefits.
  • You’re moving to a new state. You would have to consider switching to a new Medicare plan that is available in your new location and provides better benefits.
  • You desire to improve your coverage. It’s a good idea to check for a new Medicare plan that is more affordable or offers more extraordinary features than your current coverage.
  • You’re leaving employer-sponsored insurance and considering a new plan. Get Medicare health or prescription drug coverage before age 65 to cover you after retirement.
  • Your prescription medicine expenses have gotten out of hand. Medicare Part D, which offers prescription drug coverage, will better suit your needs and lowers your prescription costs.

Different Parts Of Medicare

Medicare is a health insurance program that covers a range of medical circumstances. Its services are broken into four categories, including

Part A.
Medicare covers hospitalizations, skilled nursing facilities, or inpatient procedures/ surgeries.
Part B.
Medicare pays for outpatient operations, durable medical devices, and doctor
visits.
Part C.
Medicare Advantage plans are health care plans managed by private insurance providers. While covering all Medicare services, these plans offer extra benefits not found in Original Medicare.
Part D.
Medicare covers any prescription medications you obtain from your local drugstore.

How Do I Enroll in Medicare?

You can enroll by phone, online, or in person at a Social Security office.

*You will automatically be signed up for Medicare Part A as long as you are eligible to receive Social Security benefits when you turn 65. 

You can be enrolled in Medicare Part B as soon as you turn 65. If you join up within that time, the private insurers that offer Medigap insurance are compelled to accept you.

For Medicare Part C, you should check the plan’s website to determine if you qualify to join online. You then need to complete a paper enrollment form.

For Medicare Part D, you must register on your own. If you don’t currently get Social Security benefits, you must enroll through the Social Security Administration website.

Online enrollment for Medicare coverage is quick and simple. Before enrolling, use a tool on the Medicare.gov website to see if you qualify for this program and when you can sign up.

For in-person enrollment, call the administration at 1-800-772-1213 to sign up for Medicare or to inquire about your eligibility.
Their website is www.socialsecurity.gov.com

If you miss your original enrollment window or decide to switch programs later, another yearly Medicare open enrollment is available for your consideration.

Medicare vs. Medicaid

Medicare and Medicaid are both government-run programs but distinct from one another. They are run and funded by different government departments, largely used by different insured groups.

Whatever your income, Medicare is a federal program managed by the Centers for Medicare & Medicaid Services. It offers health coverage to anyone from 65 or younger who has a disability. Its functions and coverage are the same in all states of the U.S.

Meanwhile, Medicaid is a federal-state program run by state and local governments within federal guidelines. It also provides health coverage for low-income people of every age. However, unlike Medicare, its coverage varies from state to state.

Medicare FAQ

Having both Medicare and Medicaid is possible if you are dual-eligible. They will cooperate to minimize your expenses and offer you a range of health care plans.

It depends. If you or your spouse paid Medicare taxes throughout your career, Medicare Part A requires no monthly premium, or basically, it’s free. If not, you will have to pay a premium of up to $499 per month (2022).

Yes, because not all medical services are covered by Medicare Part A.

No, it is not. Although Medicare and health insurance both provide coverage for medical expenses, that’s the only similarity they share.

● Although it offers less coverage than health insurance, the basic Medicare program (Medicare Part A) is free.

● Frequently, dependents are covered under your private health insurance. Contrarily, Medicare is personal.

● Depending on their age or disability, most Medicare beneficiaries must meet eligibility requirements.