Health is one of the most precious assets, so it is highly essential to choose a health plan that provides sufficient coverage and reliable protection for you and your family. The more specific plan for health insurance is Medicare Advantage which is not the same as a standard life insurance policy.
Original Medicare is distributed into diverse plans that cover a variety of healthcare scenarios, some of which come at a cost to the insured person. The program offers consumers more choices in terms of costs and coverage, it also introduces intricacy for those seeking to sign up. Original Medicare is a national-level program that sponsors healthcare services for everyone who is 65 or older, younger people with certain eligibility criteria, and people with definite diseases. It is divided into four categories: Medicare Part A, Part B, Part C (also called Medicare Advantage), and Medicare Part D for prescription drugs.
Medicare Part A is free for those who made Original Medicare contributions for more than 10 years through their payroll taxes. Patients are liable to pay premiums for other parts of the Original Medicare program.
Eligibility depends on certain criteria. Anyone who has lived in the United States legally for at least five years and is 65 or older qualifies for coverage. Enrollment in both Parts A and B is automatic for anyone who receives Social Security benefits. Part D coverage is optional, and enrollment must be done by the individual.
People under age 65 may qualify if they receive Social Security Disability Insurance (SSDI). Those who receive SSDI generally need to wait 24 months after they receive their first check before they become eligible for Original Medicare although the program waives this requirement for anyone with ALS and or with permanent kidney failure. Enrollment can be done through the Social Security Administration (SSA) website.
Initial Enrollment Period into Original Medicare starts 3 months before the 65th birthday, the month of, and 3 months after. Medicare Advantage & Prescription Drug Plan Annual Enrollment Period is from Oct 15 - Dec 7 of every year. Open Enrollment Period is for those who are just aging into Original Medicare, recently moved, losing current coverage, or have other SEP qualifying conditions from Jan 1st - March 31st of every year.
About 1 in 3 people 65 and older in the U.S. enroll in Medicare Advantage. Considering this is a big decision on your part, we advise you to connect with Insurance EASE for reliable consultancy and understanding of your needs.
It is highly recommended to consider more than one insurance company before purchasing the policy. This will help you choose the right plan.
Both Original Medicare and Medicaid are government-sponsored health insurance programs, but there are different eligibility requirements for each one. While Original Medicare is meant for those 65 and older and younger people with certain health conditions, Medicaid is a joint federal and state program that provides healthcare coverage to people with low incomes. Recipients are required by their state to have a limited amount of liquid assets.
Anyone with Medicaid coverage is eligible to receive different services such as doctor and nursing services, x-rays, hospitalization, home health care, and lab and x-ray services. Some states may also extend patients' prescription drug coverage, physical therapy, dental services, and medical transportation.
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Medicare Ease Insurance Services is a division of Insurancease, DBA: Medicareaase.com. 2024 Insuranceaase Services. All rights reserved. Call the plan number on the back of your ID card or call Medicare at 1-800-MEDICARE (TTY users call 1-877-486-2048) to file a complaint and provide the agent or broker name if possible. Medicare Ease represents Medicare Advantage [HMO, PPO, or PFFS] organizations and/or Medicare-approved Part D sponsors that have a Medicare contract. Enrollment depends on the plans contract renewal. Medicare Ease takes no responsibility and assumes no liability for any content posted by consumers or any third party. By completing the contact form above or calling the number listed above, you will be directed to a licensed sales agent who can answer your questions and provide information about Medicare Advantage, Prescription Drug (Part D) and Medicare Supplement insurance plans. Neither Medicare Ease Insurance Services nor its agents are connected with or endorsed by the U.S. government or the federal Medicare program. Availability of insurance companies and products are dependent on your resident zip code. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. **Information related to DOB and gender is not needed for Medicare Advantage and Part D plans. *The Medicare Advantage and Prescription Drug Plan Annual Enrollment Period (AEP) runs from October 15-December 7. During this time, Medicare recipients can evaluate their current coverage and possible enroll in a different plan for the upcoming year. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period or you are in your Medicare Initial enrollment Period.