As we become older, we get more troubles with our health. The insurance is a good thing but it doesn’t often work. To be sure you get the need medical help in time, it’s worth studying a question of diverse medical care opportunities. Besides different kinds of health insurance, there are several government programs. Their aim is to give senior people different medical services.
Yet, not everyone in the USA has the right to costs coverage. There are three main categories of people who can count on medicare:
- Oldies older than 65 years old;
- Individuals under 65 who have different types of disabilities. In this case, you have received Social Security Disability Insurance checks for at least 2 years. It’s the so-called waiting period. Yet, there are some exceptions. You can find more information on the website www.mymedicare.org;
- Patients under 65 with End-Stage Renal disease.
An obligatory condition is that you should be the resident of the USA. For some personalities, enrollment is automatic. If it doesn’t happen, you should do one of the following steps:
- To fill in an online form;
- To call Social Security;
- To visit the Social Security office.
It’s a big mistake to think that Medicare is absolutely free. You should understand that you pay into Medicare with payrolling while you are working. Moreover, there are many extra expenses such as premiums, copays, as well as deductibles.
If you’ve been enrolled in Medicare, you should get a special card. There are red, white, and blue Original Medicare Cards. It’s necessary to show your card when you get medical services. There is also Medicare Advantage Plan card available.
When it comes to Medicare regulations, it’s quite difficult to clearly understand the coverage system. Such questions as “Does medicare cover glasses?” are rather frequently asked. There is a wide range of out-of-pocket costs which vary in accordance with the chosen part of the Medicare.
There are 4 Medicare parts available. The first 2 of them, Part A and Part B, are for hospital and medical insurance. Part C and Part D provide flexibility and prescription drugs. Let’s consider each of them.
- Part A
It’s the hospitalization coverage. You get a meal, medical supplies, standard testing, and room. As a rule, you shouldn't pay premiums every month. Yet, you should pay for the deductible. Part A is able to cover up to 60 days in a hospital and 60 lifetime reserve days.
- Part B
It’s Supplementary Medical Insurance. Unlike Part B, you have to pay premiums every month and deductibles every year. The total amount depends upon your income and Social Security Benefits. This part covers non-hospital medical expenses. By the way, it covers eyeglasses.
- Part C
It’s the Medicare Advantage Plan. It combines the features of Plan A and Plan B. It also includes extra services like dental, vision, and hearing.
- Plan D
It’s optional prescription drug coverage. You have to pay deductible, copayment, and coinsurance.
No matter what plan you choose. It helps you to cope with medical costs and support your health condition.