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Medicare at a Glance. Medicare insurance is a federal program for a specialized category of people. Medicare is eligible to people who are 65 years and above, done cases of younger people who are disabled, people who suffer permanent kidney failure and in some cases people who have worked full-time for more than 10 years. As explained in this article, Medicare insurance is categorized into two parts, Part A Medicare. All the things that are covered in part A of Medicare, depends on the federal and state laws, local decision to cover a certain person made by every insurance company in each state that have Medicare insurance program and national coverage decision made by Medicare on what should be included on the cover and what to rule out; it is these bodies who decide what would be in Medicare program, depending on many factors that they usually consider.
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When you are covered in Medicare part A, it covers the following;
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Inpatient; the days you spend in the hospital. Medical Care from a skilled nursing hospital. Hospice care. Though not all, but home healthcare is also covered under Medicare. It is your responsibility to get to know what to expect in part A of Medicare. Part B of Medicare. There is a set rate by the Congress to be paid in Medicare part B. Each year the premium for Part B Medicare increase by a certain percentage if you are late for enrollment. By a certain percentage, the premium for Medicare increases in each year if you don’t sign up on time. You are entitled to a penalty if you are late in enrolling for Medicare Part B plan. Part B of Medicare covers the following, specific doctors charges, outpatient services, medical supplies and preventive services. Part C of Medicare. Medicare Part C is also known as that advantage plus plan, which is given by private insurance companies who work jointly with Medicare so that they can offer you with the benefits of Medicare Part A and B. If you are covered in part C, the Medicare services are not paid in the initial Medicare but through the plan. The part C of Medicare covers the following; Private fee for service provider, health maintenance organizations, Medicare medical savings account plans, preferred provider Organizations, and special needs plans. Part D. With part D Medicare plan, adds the drugs prescribed to you by your doctor to the original Medicare, to Medicare medical savings, to specific Medicare cost plans and to certain Medicare private fee for services plans . Conclusion. Medicare plans are very important to those who are eligible for them, therefore take the step and enroll to enjoy all the benefits.