Many seniors are confused by the 100 plus page booklet sent out by Medicare on how to get coverage. Not only is that confusing but also what is covered. So we decided to make this simple.
Medicare Part A
What is Medicare Part A? It is hospitalization coverage: inpatient care, skilled nursing facility, hospice, and home health care. Click here to see Medicare Part A 2022 costs.
How Do I Sign Up for Medicare Part A?
Most people will automatically be signed up for Medicare Part A and don’t pay a monthly premium. If you do pay for your premium, it is $505 per month.Y ou will be automatically enrolled if you are receiving Social Security or Railroad Retirement benefits. If you are still working or you (or your spouse) didn’t work a job that paid into Social Security for 10 years, you’ll have to enroll yourself.
Automatically Enrolled
If you’re automatically enrolled, you’ll get your Medicare card in the mail 3 months before your 65th birthday.
Not Automatically Enrolled
If you’re not automatically enrolled, but eligible at 65, you can sign up during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month your birthday.
What About Medicare Part B?
Medicare Part B covers medical issues like lab tests, surgeries, and doctor visits, and supplies like wheelchairs and walkers. Basically, preventive and medically necessary services. Most people are automatically enrolled and pay $174.70 a month. You may not need Medicare Part B if you have job-based insurance -call the number above if you have any questions about this.
Am I Covered with Medicare Part A and B?
Yes and no. Original Medicare covers the basics, but it can leave you open for major costs if you have a serious medical condition or emergency. Medigap can help cover the costs of medical issues by extending hospitalization days, covering Original Medicare’s coinsurance, deductibles, copays, and with comprehensive plans Medigap can cover foreign emergency care. While there are 8 plans available, Medigap Plan G covers all Original Medicare’s benefits, except for the Part B deductible.
Get a Medigap Quote Enroll in Medigap
Medicare Part A and B, also, does not cover prescription drug coverage. You’ll want to enroll in Medicare Part D prescription drug plan.
For further questions about Medicare call 800-930-7956 or contact Senior65.com.