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Medicare is a federal health insurance program that provides diverse coverage and vast options that makes it exactly the health plan you need it to be. With rising medical costs, you’ll need a plan that protects you so that you can live longer without sacrificing hard-earned income.
Medicare could be the health plan you need!
How your coverage works depends on the plan. Medicare is divided into four Parts:
Part A offers full hospital coverage for the first 60 days. For longer stays, you’ll pay $371 in coinsurance per day from days 61-90, $742 daily from days 91-150, and all costs afterward. Its coverage also applies to hospice.
Part B pays 80% of your bill and leaves the remaining 20% up to you. This includes preventive treatments and durable medical equipment.
Parc C coverage varies due to differences between insurers and types of Medicare Advantage Plans. You’ll also get coverage for items that traditional Medicare plans don’t cover, such as dental, vision, and hearing.
Part D also varies. The amount depends on the medication and the tier it falls under. Generic medications are the cheapest.
Your coverage starts when you meet your deductible. The deductibles are:
Benefit periods begin the day you’re admitted as an inpatient, and end after 60 consecutive days without inpatient treatment.
You must pay these monthly premiums to retain coverage:
Premium-free Part A is available you:
Enroll during the Initial Enrollment Period, and
Have worked in the US for at least 40 tax quarters
Each plan has its own copayment, and the amount is determined ahead of time.
For automatic enrollment:
If you do not get Social Security benefits, you’ll need to enroll on your own during these times:
If you want Medicare Advantage and/or Part D, and didn’t enroll during the Initial Enrollment Period, you’ll need to join during the Annual Enrollment Period, which lasts from October 15 to December 7. This requires having Original Medicare (Part A and B) first.
You are already on your way to getting one of the best health insurance plans the market has to offer. At Health Care Solutions, we give top-notch service to help you get the best plan. We take the stress out of medical billing by providing our expertise with honesty and diligence.