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Medicare News

National Senior Services

Medicare News


June 15, 2021

Medicare is a federal health insurance program that subsidizes healthcare services in the United States. The plan covers those aged 65 and over, as well as younger persons who meet certain conditions and people with particular conditions. Medicare is broken down into numerous plans that cover a wide range of healthcare needs, some of which are paid for by the covered person. While this allows the program to provide consumers with more cost and coverage options, it also adds to the program’s complexity for those looking to enroll. In this blog, you will get to know about Medicare benefits policy manual.

How Medicare Works

Medicare is a federally sponsored national healthcare program in the United States. In 1965, Congress established the program as part of the Social Security Act to provide health insurance to persons aged 65 and up who did not have it.

The Centers for Medicare and Medicaid Services (CMS) currently administers the program, which now covers persons with certain disabilities, as well as individuals with end-stage renal illness and amyotrophic lateral sclerosis (ALS), sometimes known as Lou Gehrig’s illness. Medicare is divided into 4 components, each of which provides distinct types of services to the insured:

  • Medicare Part A
  • Medicare Part B
  • Medicare Part C
  • Medicare Part D

Types of Medicare Coverage

Individuals can choose from 4 distinct types of Medicare programs, as indicated above. Basic Medicare coverage is primarily provided by Parts A and B (commonly known as Original Medicare) or the Medicare Part C plan. Individuals can also sign up for a Medicare Part D plan.

Medicare Part A

Hospitals and similar inpatient or inpatient-like settings, such as skilled nursing facilities, hospice, and some home-based healthcare, are covered under Medicare Part A. However, this plan excludes long-term or custodial care. Anyone who receives Social Security income is automatically covered. Enrollment is available on the Social Security website for those who do not currently receive benefits.

Medicare Part B

Outpatient treatment, such as doctor visits, is often covered by Medicare Part B. Preventive services, ambulance services, some medical equipment, and mental health care are all included under Part B. This plan also covers some prescription medicines. This plan’s typical monthly premium for 2021 is $148.50, with a deductible of $203. Anyone with an annual salary of more than $88,000 ($176,000 for married couples) pays a higher premium.

Medicare Part C

These Medicare Advantage plans, often known as Medicare Supplements, must provide coverage that is as least as good as Original Medicare (Plans A and B). Instead of purchasing Medicare Advantage plans directly from the government, consumers purchase them from private insurers. Many insurance plans have yearly out-of-pocket spending caps.

Many also include copays, coinsurance, deductibles, and even payments linked to insurance while traveling outside of the United States, which original Medicare patients would otherwise have to obtain through supplemental insurance such as a Medigap plan. Dental, eye, and hearing care may be included in some policies.

Medicare Part D

Through Medicare Part D, you can get extra prescription medication coverage. Part D is available to Medicare Part A and Part B beneficiaries who want to get help paying for prescription drugs that their original Medicare plans don’t cover.

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National Senior Services is not connected with or endorsed by the US government or the federal Medicare program; Medicare has neither reviewed nor endorsed this information. We are a licensed and approved Medicare Service Provider.

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