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Your guide to Medicare

❤️ Click here: Is this person eligible for free medicare part a

Medicare Part A does not cover 24-hour home care, meals, or homemaker services if they are unrelated to your treatment. Initial Enrollment in Medicare Part A If you turn 65 and are already receiving Social Security retirement benefits or benefits from the Railroad Retirement Board RRB , enrollment in Medicare Part A is usually automatic. Also, the is typically covered by Medicare Advantage plans.

If a person enrolls in any other month of the IEP, coverage will be delayed. If you do not automatically qualify for Medicare Part A, you can do so during your Initial Enrollment Period, which starts three months before you turn 65, includes the month you turn 65, and lasts for three additional months after you turn 65. Enrollment in Medicare Part B As with Medicare Part A, the enrollment period for Medicare Part B typically takes place during the seven-month period that begins three months before the month you turn 65, including the month you turn 65, and ending three months after the month you turn 65.

Your guide to Medicare - If you are in a Medicare Advantage plan and want to switch back Original Medicare Part A and Part B , you can do so during the Medicare Advantage Disenrollment Period January 1 through February 14. Social Security credits and Medicare eligibility Most people become eligible for Medicare Part A free of charge by working and paying taxes long enough to earn enough Social Security credits.

You can also fill out our eligibility form to the right or call us at 1-866-527-3331 and one of our licensed insurance agents will assist you on a one-on-one basis. Medicare is the federal health insurance program for people who are 65 or older and are citizens or permanent residents of the United States. Medicare benefits are also available for younger people with some types of disabilities, Amyotrophic Lateral Sclerosis ALS , and people with End-Stage Renal Disease permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD. People can get Medicare benefits either through Original Medicare or through a Medicare Advantage Plan. Medicare has four parts Medicare Part A is hospital insurance that covers medically necessary inpatient hospital stays, care in skilled nursing facilities, hospice care and some home health care. Medicare Part C Medicare Advantage is a type of Medicare health plan that is offered by private insurance companies approved by Medicare to provide Part A hospital insurance and Part B medical insurance benefits under one plan. Medicare Advantage plans include Health Maintenance Organizations HMOs , Preferred Provider Organizations PPOs , Private Fee-for-Service PFFS , Special Needs Plans SNPs and Medicare Medical Savings Account Plans MSA. Some people choose to get Medicare coverage through a Medicare Advantage Plan instead of through Original Medicare. Medicare Advantage plans must offer the same level of coverage as Original Medicare Parts A and B. Most Medicare Advantage plans offer prescription drug coverage and may also offer extra benefits such as routine dental, vision and wellness programs. Individuals may be required to pay a monthly premium for a Medicare Advantage plan which is in addition to the monthly Part B premium. Also, the is typically covered by Medicare Advantage plans. Medicare Part D Prescription Drug Plans provides stand-alone prescription drug coverage that works alongside Original Medicare Parts A and B. It is offered through private insurance companies that have contracts with Medicare. Most Medicare Advantage Plans offer prescription drug coverage. All Medicare Advantage Plans are also considered Medicare health plans. Programs of All-inclusive Care for the Elderly PACE provides comprehensive medical and social services to certain frail, community-dwelling elderly individuals, most of whom are dually eligible for Medicare and Medicaid benefits. Individuals must meet certain conditions to be eligible to enroll in PACE. Individuals can leave the program at any time. Are you currently on Medicare Parts A or B? There is no obligation to enroll in a plan. By submitting this form, I acknowledge and understand that I provide my express consent to the following: 1 That I am bound by Eligibility. I may be directed to a licensed sales agent who can answer my questions and provide information about Medicare Advantage, Medicare Supplement and Prescription Drug insurance plan options. These licensed sales agents are not connected with or endorsed by the U. At what age am I eligible for Medicare? Many people begin their search for Medicare eligibility information asking about Medicare age requirements. At what age are you eligible for Medicare? The age for Medicare eligibility depends on a few factors. Each of these has certain criteria that must be met. Additionally, there also may be other special situations that allow you to apply for Medicare before age 65. Please contact Medicare directly for more information at 1-800-MEDICARE 1-800-633-4227 to speak to a live customer service representative 24 hours a day, 7 days a week. How and when to Enroll in Medicare How and when to enroll in Medicare is an important aspect of coverage. The annual open Medicare enrollment period begins each year in October, but there are other timeframes that also work for certain qualifying Medicare applicants. Remember, it is to your advantage to pay attention to deadlines and Medicare enrollment periods for all parts and situations that affect you. Here are some deadlines and situations that apply to enrolling in Medicare. If you are already getting Social Security or railroad retirement benefits, you will be contacted about three months before your 65th birthday. If you live in one of the 50 states, Washington, D. Virgin Islands, you will automatically be enrolled in Medicare Parts A and B. Because a premium is required for Part B coverage, you will be given the opportunity to opt out of that coverage. If you are not already getting Social Security or railroad retirement benefits, you can enroll in Medicare during the Initial Coverage Election Period to avoid any penalties or a gap in your health care coverage. The Initial Coverage Election Period is a seven-month period beginning three months before the month you turn 65, and ending three months after your 65th birthday. Don't Miss These Important Medicare Enrollment Periods When to enroll in Medicare or make changes is an important aspect of coverage. It is to your advantage to pay attention to deadlines and Medicare enrollment periods for all parts and situations that affect you. Your coverage will begin on the following July 1 of the year in which you sign up. If you are in a Medicare Advantage plan and want to switch back Original Medicare Part A and Part B , you can do so during the Medicare Advantage Disenrollment Period January 1 through February 14. If you do so, you will also have until February 14 to enroll in a Medicare Prescription Drug plan as well. Your coverage begins the first day of the month after your enrollment form is received. For more information on how and when to enroll, contact the , or visit a local Social Security office. Those who have been receiving social security disability benefits for at least two years can qualify for Medicare automatically. You can also check and other Medicare-related information online through the Medicare. How do I check my Medicare eligibility or calculate my premium? A Medicare eligibility check can be conducted by speaking with a customer service representative when you call 1-800-MEDICARE 1-800-633-4227. Queries can also be made by calling Social Security at 1-800-772-1213 between 7 a. TTY users should call, 1-800-325-0778. You can also check your Medicare eligibility by visiting the website. You can access it by. Many times, coverage for tests, services and medical care items depends on where you live. However, some of these things are universally covered no matter where you live. Check the website for a list of those items. You can also talk to your healthcare provider to see why certain items are needed, and ask if they can be covered under Medicare. Are you currently on Medicare Parts A or B? There is no obligation to enroll in a plan. By submitting this form, I acknowledge and understand that I provide my express consent to the following: 1 That I am bound by Eligibility. I may be directed to a licensed sales agent who can answer my questions and provide information about Medicare Advantage, Medicare Supplement and Prescription Drug insurance plan options. These licensed sales agents are not connected with or endorsed by the U. Medicare Part A Medicare Part A is hospital insurance that provides coverage for inpatient hospital care, as well as coverage for critical access hospitals and skilled nursing facilities though not custodial or long-term care. It also covers hospice care and home health care so long as certain conditions are met. This applies to spouses who are living, deceased or divorced from the person seeking coverage. Social Security credits and Medicare eligibility Most people become eligible for Medicare Part A free of charge by working and paying taxes long enough to earn enough Social Security credits. Social Security credits count toward social security Medicare eligibility for Medicare. Credits are earned by paying Social Security and Medicare payroll taxes while working. Generally, 40 credits, equal to ten years of work from employment are required to receive Social Security benefits and qualify for premium-free Medicare Part A benefits. If more than 40 credits are earned over the years, the additional credits do not provide any added benefit. You may also qualify for Medicare if you are, or have been, a government employee who has paid Medicare payroll taxes during employment. If you do not have 40 credits, you will need to pay a monthly premium to be covered. You're automatically enrolled in Part A and Part B after you get Social Security or Railroad Retirement benefits for 24 months. The 24 months do not need to be consecutive. Though there is a deductible for hospital stays. The monthly cost will depend on how long you have worked and how close you are to meeting the 40-credit requirement. Those who pay for Part A hospital insurance , must also enroll in Part B medical insurance , and pay an additional monthly premium for Part B. Enrollment in Part A Some people are automatically enrolled in Part A and Part B , while others must sign up. Who is automatically enrolled in Parts A and B? Who needs to sign up for Parts A and B? For example, this applies to those who are still working. However, to get Part B, they must sign up for it. Initial enrollment period details for Medicare The initial enrollment period consists of a seven-month period starting three months before the month you turn 65, including the month you turn 65, and extending three months after the month you turn 65. Coverage for Medicare Part A and Part B begins on the first day of your birthday month when you become 65 so long as enrollment is automatic or you sign up during the first three months of the initial enrollment period , unless your birthday falls on the first day of the month. Then coverage begins on the first day of the previous month. For example, if your birthday is June 6, 1952, then you get coverage on June 1, 2017. If your birthday is on the first day of the month June 1, 1952 , then Part A and Part B will start the first day of the prior month—May 1, 2017. Coverage then begins July 1. Medicare Part B Medicare Part B covers things like doctor services, outpatient care, and other medical services provided by clinics and laboratories. This includes lab tests, preventative services, surgeries, and doctor visits, as well as supplies including wheelchairs and walkers that are considered medically necessary to treat a disease or condition. Part B Eligibility If you are eligible for Part A coverage at no cost, you are eligible to enroll in Medicare Part B coverage by paying a monthly premium. The amount of premium you pay may depend on what your income level is. Cost of Medicare Part B Plans Unlike Part A, which is usually free, Part B requires a monthly premium. If you don't sign up for Medicare Part B when first eligible, you may have to pay a late enrollment penalty. Certain individuals must pay a higher premium each month for Mecicare Part B if their modified adjusted gross income falls above a certain amount. The Income Related Monthly Adjustment Amount IRMAA is the additional amount added to monthly Part B premiums. The Social Security Administration looks at your income from two years ago to determine if an IRMAA should be added to your monthly premium. The Medicare Part B premium is ordinarily taken directly out of a Social Security, Railroad Retirement, or Office of Personnel Management retirement check, which means most people will not receive a bill. The Medicare late enrollment penalty Medicare Part B coverage is not required. However, those who choose not to enroll in Part B, but later decide they want coverage, may have to pay a higher monthly premium for as long as they have Medicare unless they qualify for a Special Enrollment Period. The Part B monthly premium may increase by 10% for each twelve-month period of eligibility for Part B that was not elected. The penalty does not go away—you must pay it for as long as you have Part B. Also, if you miss the initial enrollment period, you may have to wait to enroll at a specific, later time unless you qualify for a Special Enrollment Period. For example, you may have to wait until the general enrollment period, which runs from January 1 to March 31, with coverage starting on July 1 of that year. After the deductible is met, you usually pay 20% for all approved Medicare services. For example, if you visit the doctor or have medical testing done, you will receive a bill for your 20% share. There is no out of pocket limit for Medicare Part B and not all procedures are covered. If you need more information about whether a medical service or procedure is covered, contact Medicare or ask your doctor to find out more. Enrollment in Medicare Part B As with Medicare Part A, the enrollment period for Medicare Part B typically takes place during the seven-month period that begins three months before the month you turn 65, including the month you turn 65, and ending three months after the month you turn 65. For example if your birthday is July 15th, the initial enrollment period includes the months of April, May, June, July, August, September, and October. Certain people are automatically enrolled in Part B. Coverage then begins July 1st. Are you currently on Medicare Parts A or B? There is no obligation to enroll in a plan. By submitting this form, I acknowledge and understand that I provide my express consent to the following: 1 That I am bound by Eligibility. I may be directed to a licensed sales agent who can answer my questions and provide information about Medicare Advantage, Medicare Supplement and Prescription Drug insurance plan options. These licensed sales agents are not connected with or endorsed by the U. Medicare Part C Medicare Advantage Medicare Part C, also known as Medicare Advantage, provides an alternative way to get your Medicare Part A and Part B benefits. Medicare Advantage Plans are plans offered by private insurance companies approved by Medicare that must offer the same level of coverage as Original Medicare. The most common types are Health Maintenance Organizations HMOs , Preferred Provider Organizations PPOs and Private-Fee-for-Service PFFS plans. Medicare Advantage Plans include coverage for all Part A and B services in one plan except hospice care and some care in qualifying clinical research studies. With a Medicare Advantage Plan, you are still enrolled in Medicare, but you are in a private health insurance plan that may have different restrictions and costs. Depending on your health and any ongoing conditions you have, a Medicare Advantage Plan may make more sense than Original Medicare. One benefit of some Medicare Advantage Plans is that they may offer more coverage than Original Medicare, including vision, hearing, dental, and other health and wellness programs. Not all plans offer these benefits. Most Medicare Advantage Plans include Prescription Drug coverage Also, Medicare Advantage Plans include a yearly out-of-pocket maximum whereas Original Medicare does not. After the limit is reached, there is no charge for covered services. The main reason you may want to consider Medicare Advantage plans, is because they offer additional benefits over and above the level of coverage provided by Original Medicare Part A and Part B. Most Medicare Advantage Plans include prescription drug coverage. These plans are known as Medicare Advantage Prescription Drug Plans. Medicare Part C eligibility If you have Medicare Part A and Part B coverage, then you can. To enroll in an optional Medicare Advantage Part C Plan, you must first enroll in both Medicare Part A and Part B. Generally, if you have Medicare Parts A and B and you live in the area of coverage you will be eligible to enroll. In most cases, those with End-Stage Renal Disease ESRD usually get their benefits through Original Medicare and can only enroll in a Medicare Advantage Plan in certain. Cost of Medicare Advantage Plans Most people will continue to pay a Medicare Part B monthly premium and pay an additional monthly plan premium to be enrolled in a Medicare Advantage Plan. There may also be a copayment or coinsurance for services. Some Medicare Advantage Plans may offer zero-dollar premiums but you must still continue to pay your Part B premium. Medicare Advantage Plans establish the amounts they charge for premiums, services, co-payments, and deductibles. For example, you may pay more per month for a smaller deductible or for cheaper doctor visit copayments. Benefits, premiums, co-payments and co-insurance may change on January 1 of each year. Those periods are as follows. During your Initial Enrollment Period when you first get Medicare. The Annual Election Period is from October 15 through December 7 each year. The AEP is also known as the Open Enrollment Period for Medicare Advantage and Medicare prescription drug coverage and allows you to make changes to your Medicare coverage for the following year. You can also enroll during Special Enrollment Periods SEP, if you have a qualifying life event e. The rules are different for each SEP about when you can make changes and the type of changes you are allowed to make. You can switch to a 5-star Medicare Advantage Plan or Medicare Cost Plan, or Medicare Prescription Drug Plan once, between December 8 and November 30 as long as you meet the other requirements to enroll in that plan e. Medicare Advantage Disenrollment Period If you are enrolled in a Medicare Advantage Plan and are unhappy with the coverage or do not want to be enrolled in the plan any longer, you can leave the plan during a special disenrollment period. This period occurs from January 1 until February 14 each year. However, if you leave a Medicare Advantage Plan during this period, you can only switch to Original Medicare. You cannot change to a new Medicare Advantage Plan. If you switch to Original Medicare during this time, you will have until February 14 to also enroll in a Medicare Prescription Drug Plan to add coverage for prescription drugs. Medicare Part D is prescription drug coverage that helps cover the cost of prescription drugs. These Medicare Advantage plans are known as Medicare Advantage Prescription Drug Plans and you must have both Medicare Part A and Part B to enroll in a Medicare Advantage Plan. Medicare Part D is only available through private insurance companies that are approved by Medicare. Your monthly plan premium and out-of-pocket costs for prescription drugs will vary from plan to plan since different insurance companies offer different types of plans. All Medicare Prescription Drug Plans have a formulary which is a list of covered drugs. Please note that the formulary may change at any time but, you will receive notice from your plan when necessary. Medicare Part D also covers certain vaccines that are not already covered under Part B. Medicare Part D Eligibility If you are eligible for Part A and Part B Medicare coverage, then you are eligible for Medicare Part D coverage. You must also live in the service area of the Medicare prescription drug plan you want to enroll in. Enrollment in Part D is optional, and you will be required to pay a monthly premium. Depending on your income level, this premium may be higher. Cost of Medicare Part D Plans Most Medicare Prescription Drug plans charge a monthly premium that varies by plan. What is the Medicare coverage gap donut hole? After you hit this limit, you then pay more out-of-pocket for drugs until you qualify for catastrophic coverage. Health care reform law is gradually narrowing the coverage gap. The discount you receive on drugs and amounts you pay count towards the out-of-pocket limit. The amount of the penalty depends on how long you went without Part D or creditable prescription drug coverage. Enrollment in Medicare Part D You can enroll in a Part D prescription drug plan through a private Medicare-approved insurance company offering the coverage. You can enroll at the following times. Extra Help Extra Help is a program that offers assistance paying for a Medicare drug plan to those who qualify. Note: Financial resources include the amount of cash you have in your savings account, any assets you may own like stocks and bonds and whether you own multiple properties. If you qualify for assistance, the Part D premium may be lowered and you will pay less for prescription drugs. Also, many states provide State Pharmacy Assistance Programs, or SPAPs, that help those with low-income or individuals with a disability or medical condition with the cost of pharmaceutical drugs. Are you currently on Medicare Parts A or B? There is no obligation to enroll in a plan. By submitting this form, I acknowledge and understand that I provide my express consent to the following: 1 That I am bound by Eligibility. I may be directed to a licensed sales agent who can answer my questions and provide information about Medicare Advantage, Medicare Supplement and Prescription Drug insurance plan options. These licensed sales agents are not connected with or endorsed by the U. Medicaid and Medicare Supplement Insurance Medigap Plans Medicare does not provide full coverage for healthcare in all instances, leaving some gaps in coverage. Fortunately, there are several ways to pay for medical services through supplemental coverage. Medicaid helps low-income families pay for costs of long-term medical and custodial care. It is a joint program of the federal government and state governments. The federal government largely funds the program, but Medicaid is administered by state governments, and coverage may vary from state to state. How can I apply for Medicaid? Go to where you will find access to an online application as well as lots of information regarding Medicaid benefits. What are the differences between Medicare and Medicaid? The main difference is that Medicare is an insurance program and Medicaid is an assistance program. Medicare helps people who are covered pay medical bills from funds they have paid into over the course of their working life. For the most part, Medicare serves people 65 and over, with some exceptions for younger disabled and dialysis patients. Premiums are many times required for certain parts of Medicare. It is a federal program and is uniformly administered across the United States. Medicaid has no age restrictions and serves people of all ages based on income. Generally, patients are not required to pay any costs for medical services, except in a few limited circumstances. Although Medicaid adheres to federal guidelines, it is administered by state and local governments. Medicare Supplement Insurance Medigap Medigap is a supplemental insurance policy sold by private companies that helps to pay for some health care costs not covered by Original Medicare. This can include copayments, coinsurance, and deductibles. Most notably, unlike Medicare, Medigap policies cover medical care when you travel outside the United States. To qualify for a Medigap policy, you must already be enrolled in Medicare Part A and Part B. A Medicare Supplement Insurance Medigap policy is an optional policy offered by a private company to fill in some of the gaps in coverage of Original Medicare Part A and Part B. Because there is no out-of-pocket limit on spending for Original Medicare, obtaining a Medigap policy is a good idea for certain individuals. Medigap can be used to pay for services not covered by Original Medicare including deductibles, coinsurance, and copayments. Also, some Medigap policies offer coverage for services that are not provided by Original Medicare. For example, a Medigap policy may provide coverage if you become sick while traveling internationally. Policies sold on or after January 1, 2006, do not include prescription drug coverage. Earlier policies may cover prescription drugs. Medigap Eligibiilty A Medigap policy is only available to those who have Medicare Part A and Part B. If you have a Medicare Part C Advantage Plan, then you cannot purchase a Medigap policy. Cost of Medigap Plans A monthly premium for a Medigap policy is required in addition to the monthly Part B premium. The cost varies widely based upon the benefits of the plan and the age and gender of the individual enrolled. There can even be differences in premiums charged by various companies for exactly the same coverage. Enrollment in Medigap You can enroll in a Medigap policy during the six-month open enrollment period, which begins the month you areboth65 and enrolled in Medicare Part B. And, if you are able to obtain coverage outside of the open enrollment period, the Medigap policy may cost more. Qualifying for Medicaid varies state-by-state and depends on your annual income. How do I verify if I am eligible for premium-free Medicare? You are eligible for premium-free Medicare Part A at age 65 if you or your spouse worked and paid Medicare taxes for at least 10 years. You get premium-free Part A if you are already getting retirement benefits from Social Security or the Railroad Retirement Board RRB ; if you are eligible to get Social Security or Railroad benefits but you have not yet filed for them; or if you or your spouse had Medicare covered government employment. Most people do not have to pay for Part A benefits, but everyone who wants Part B coverage must pay for it. You must also pay a monthly premium for Part C and Part D coverage in addition to your Part B monthly premium. How do I check Medicare eligibility online to see if I qualify for free coverage? To check and see if you are eligible for premium-free Part A coverage, you can use the here. How do I check Medicare providers online? Medicare maintains a comprehensive list of providers on its website at. Users can find out about what services are offered, make side-by-side comparisons on what care they provide and get tips and information to help make the best possible informed decision. Providers are broken out by categories. A Medicare eligibility letter is a document that advises a provider of the date you and any qualifying family members became eligible for Medicare benefits. Medicare Savings Programs Many states provide financial assistance Medicare Savings Programs, or MSPs for those who qualify and have a difficult time paying their Medicare premiums, deductibles, coinsurance, and copayments. There are four kinds of MSPs: the Qualified Medicare Beneficiary QMB Program, Specified Low-Income Medicare Beneficiary SLMB Program, Qualifying Individual QI Program, and the Qualified Disabled and Working Individuals QDWI Program. Generally, you must earn less than a certain amount per month and not own personal assets that exceed a particular threshold to qualify. Personal assets include cash, stocks and bonds. Not included in the personal asset calculation are one house, car, and personal belongings such as clothing and furniture. The limits vary from program to program and between states. How to get more information about Medicare To learn the specific steps you need to take to enroll in the various Medicare programs, go to. To get further information about Medicare, go to or call Medicare toll-free at 1-800-MEDICARE 1-800-633-4227 to speak to a live customer service representative 24 hours a day, 7 days a week. Are you currently on Medicare Parts A or B? There is no obligation to enroll in a plan. By submitting this form, I acknowledge and understand that I provide my express consent to the following: 1 That I am bound by Eligibility. I may be directed to a licensed sales agent who can answer my questions and provide information about Medicare Advantage, Medicare Supplement and Prescription Drug insurance plan options. These licensed sales agents are not connected with or endorsed by the U. Medicare Resources Are you currently on Medicare Parts A or B? There is no obligation to enroll in a plan. By submitting this form, I acknowledge and understand that I provide my express consent to the following: 1 That I am bound by Eligibility. I may be directed to a licensed sales agent who can answer my questions and provide information about Medicare Advantage, Medicare Supplement and Prescription Drug insurance plan options. These licensed sales agents are not connected with or endorsed by the U. We are a private company. You typically must work directly with the government to qualify for your program or benefits. This website and its contents are for informational purposes only. We do not claim responsibility for its accuracy.

Who Is Eligible For Medicare Part A And B?
Please contact Medicare directly for more information at 1-800-MEDICARE 1-800-633-4227 to speak to a live customer service representative 24 hours a day, 7 days a week. In other words, you must first be enrolled in Medicare Parts A and B to sign up for Medicare Advantage. What About Medigap Plans. On Off Social Media If you share our content on Facebook, Twitter, or other social media accounts, we may track what Medicare. If you do not qualify on your own or your sol's work record Provided that you're a U. Selecting OFF will block this tracking. If more than 40 credits are earned over the years, the additional credits do not provide any added benefit. Most people do not have to pay for Part A benefits, but everyone who jesus Part B coverage must pay for it.

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Is this person eligible for free medicare part a

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