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Medicare Program Overview |
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Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).
Medicare includes these parts:
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After Medicare is Effective |
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What do I need to know after I sign up for Medicare?
Do I want to keep Part B (Medical Insurance)?
Most people are automatically enrolled in Parts A & B. If you don’t want Part B (Medical Insurance), be sure you follow the instructions on the back of the form that contains your ID card. You need to check the box on the back side of the card, sign, and return the entire form in the envelope provided. A new ID card will be mailed to you showing only Part A, Hospital Insurance.
If you keep the ID card, you keep Part B, Medical Insurance, and you will pay your Part B premium.
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7 Guaranteed Issue Rights |
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If you experience any of the following situations, you have the right to buy Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company. The insurance company cannot delay your effective date for any pre-existing health condition or charge you more because of any health problems. Generally, you can apply as early as 60 calendar days before the date your health care coverage will end, if known, but no later than 63 calendar days after your health care coverage ends. NOTE: If you apply during the 63 days after your health care coverage ended, your Medigap policy cannot become effective before the date you apply for it.
1. You are in a Medicare Advantage Plan, and your plan is leaving Medicare or stops giving care in your area, or you move out of the plan's service area.
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Medicare Benefits for Disabled Individuals |
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What is it?
Under certain conditions, disabled individuals are eligible to enroll in Medicare, the federal health insurance program that currently consists of premium-free hospital insurance (Part A)protection, premium-paid medical insurance(Part B) protection, Part C, which allows private companies to offer Medicare benefits as well as benefits not offered by Medicare, and Part D, which covers the costs of prescription drugs.
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Medicare Advantage vs. Medicare Supplement Plans |
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What's the Difference?
There are many differences between the ways in which you can choose to receive your Medicare benefits is that Medicare Advantage contracts operate on a calendar year basis (annually renewable) and Medicare Supplement (Medigap) policies are guaranteed renewable. Guaranteed renewable means that the insurance company cannot change what your Medigap policy covers once it is issued, or terminate your policy, unless you do not pay your premium within the grace period and/or you made a material misrepresentation on your application.
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Medicare Basics
