Medicare is a government health Insurance program for:
- People 65 or older
- People under the age of 65 with certain disabilities
- People of all ages with permanent Kidney failure requiring dialysis or a kidney transplant
Medicare enrollment timeframe starts 3 months before you turn 65 until 3 months after you turn 65. A total of 7 months. Sign up early to avoid a delay in coverage
Part A-Hospital Coverage
- Hospital Stays
- Impatient Psychiatric Hospital Care
- Impatient care in a skilled nursing facility (not custodial or long term care)
- Home health care
- Hospice care services
Copayments, Co-Insurance & deductibles may apply for each service
Part B- Medical Insurance
- Medical expenses
- Clinical Laboratory services
- Home health care
- Outpatient hospital services
- Preventive services
- Part B has an annual deductible in 2021 for $203.00.
After your deductible is met, you typically pay 20% of the Medicare approved charge
PART D- Prescription Drug Plan
- Medigap does not cover Prescription drugs. However, I will research the best plan for you based on the drugs that you are currently taking.
What is not covered by Part A & Part B
- Long term care
- Dentures
- Cosmetic surgery
- Acupuncture
- Hearing aids
- Routine foot care
