If You are Over 65 There are Health Insurance Options for You

Medicare is health insurance coverage for those over the age 65 under the age 65 with specific disabilities & any person with permanent kidney failure. To be eligible you must have entered the United States way recognized by law & lived for 5 years. The need for medical program for seniors became apparent the 1950s but was not until 1965 when Congress passed the laws that created Medicare. Just like Social Security those individuals contribute to Medicare during the years they work. It is federal program so guidelines for eligibility & services are very similar all states.

Medicare consists two parts:

Medicare Part A If you are patient hospital nursing home or hospice this is the part that helps cover the cost. It also covers care your home under certain conditions. Because this was paid through taxes that you paid while working many do not need to contribute this part.

Medicare Part B This helps to pay for doctors services & outpatient care that is medically necessary. It pays for preventative services like the flu shot & for some services to keep illnesses from worsening. In 2008 the standard monthly premium was $96. 40.

Medicare offers free enrollment for the first seven months after your 65th birthday. Beneficiaries is the term used to describe those covered by Medicare. Medicare pays for most health care but not all. It does however cover serious medical conditions that the patient will usually recover from. It does not cover care given at home or nursing facility for those with recurring disability or longtime illness.

Medicare also provides Advantage Plans although not available every state. These plans offer prescription programs to the beneficiaries. Specific details depend on the program you choose & your eligibility.

You will receive your Medicare card the mail three months before your birthday. If you are receiving Social Security benefits before you turn 65 you will be enrolled Part A & Part B automatically the month you turn 65. Signing up for Medicare is simple as long as you are aware the different plans & enrollment periods.

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