In this period of rapidly growing medical costs, the people are now in favor of health
Medicare. Health Medicare is the federally-funded medical plan for Americans age
65 and over that covers medical expenses such as doctor's visits, hospital stays,
drugs and other treatment.
Going through the health Medicare zone can be very perplexing. Even insurance agents
find it difficult dealing with health Medicare, what it covers, what it doesn’t,
or which hospital accepts Medicare and which won't.
Basically, all Americans are eligible for health Medicare when they turn 65. There
is an preliminary enrollment period for seven months after one's 65th birthday, when
one can enroll in Medicare with no cost. After the enrollment period, someone who
decides he wants Medicare may have to pay fees and penalties. Then, the applicant
must decide whether to enroll in health Medicare Part A only, which offers basic
health Medicare coverage, or also in Part B, which offers supplemental coverage.
Some seniors who are covered by their company's group health insurance, or their
spouse's, may decline to enroll at all, or may just decide to enroll in Part A since
it is cheaper.
Health Medicare Part C combines your Part A and Part B options and must cover all
medically needed services. The difference is that private insurance companies that
are approved by health Medicare provide this type of coverage. In most cases, Part
C is a lower-cost alternative to the Original Medicare Plan, and providers usually
offer extra benefits and include prescription drug coverage (Part D).
A senior applying for health Medicare needs help. A knowledgeable insurance agent
or through classes that are available in many communities may help them. There are
also numerous resources on the Internet to help seniors find their way. Medicare
is complex — with many exceptions, requirements, regulations, limits, and so forth
— making it seemingly unattainable to untangle. The wise seniors will get assistance
long before the time comes to enroll in health Medicare.