Intro
There are a number of things that you must do to qualify for Medicare coverage and to determine whether or not you will be eligible for a Medicare supplement. One of these things is getting a copy of your Medicare age. This can be accomplished by contacting the Plan Administrator, Medicare Part B. They will provide you with the specific instructions, as well as information about what to do next.
Some people age faster than others, so to find out if you are one of them, check your file from the Medicare part A website. The plan administrator will also provide you with further instructions on how to lower your Medicare age and how to enroll in Medicare Part B online. While it is not difficult to do, it does take a little bit of patience. If you’re determined to remain within the restrictions set by the government, you should be successful in lowering your coverage age.
Medicare Supplement Insurance
Medicare supplement insurance pays for your portion of the hospital stays, physician visits, and other expenses that are deemed “medically necessary” under the guidelines established by the Centers For Medicare & Medicaid Services (CMS). Medicare Part B covers those “dually eligible” for Medicare. In order to determine if you are a qualified applicant, you must enroll in Medicare and list all of your income and assets. In order to determine if you are an eligible person, you must contact the Medicare advisor that is assigned to your case.
Medicare Supplement insurance companies are prohibited from asking any questions relating to your past health conditions or medical history unless it is requested within two months of enrollment. Some companies will only allow inquiries into your past and present income and asset limits after six months. This means that even if you are not qualified for Medicare benefits at this time, you can inquire about Medicare beneficiaries that you would be eligible for later.
Different Medicare Options
If you are an adult with serious medical problems and are unable to pay for standard in-patient services and/or hospital care, Medicare is an excellent option to consider. There are three options to consider: the public insurance plan known as Part A; a Medicare Advantage plan; or a Medicare Part D prescription drug coverage. Each of these plans has different ways to pay for your services and benefits, as well as varying levels of deductibles and premiums for medicare out-of-pocket costs. The four different plans that are offered to senior citizens are as follows: Medicare Supplement Plan A, Covering gaps in Medicare Part A; Medicare Advantage Plan D, pays 100% of the premiums; Medicare Part B, a traditional Medicare coverage for both in-patient and outpatient care; and Medicare Security Start, a simplified safety net for low-income elderly.
What Medicare Doesn’t Cover
There are a few things that Medicare does not cover, such as: blood glucose monitors; emergency room services; hearing aids; cosmetic surgery; and prescription drugs. While many of these services are commonly required by seniors, it is important to understand how they will be affected by the current policy and whether they are worth the cost. It is possible that these services would have been covered if Medicare had not been implemented. This is an excellent way to start making sure that Medicare does not strip coverage from any current policy holders. Knowing how the new Medicare Age affects your current policy can help you make the right choices.
