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Medicare Simplified. Medicare insurance is a federal insurance program to a certain category of individuals. 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. Usually Medicare is categorized into two parts, as explained below. Part A Medicare. The decision of what to include in Medicare program is not based on several factors which include the following the federal and state laws, local decision to cover a particular 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 is to be left out .
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The following are the parts that are covered by Medicare insurance program;
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Inpatients; covering the days you will stay in the hospital. Medical Care from a skilled nursing hospital. The care that the insured receive from the hospice. Home health care is also covered in Medicare though not all of them. It is therefore important for you to read and understand the coverage in part A, do that you can know what to expect. Medicare part B. 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. Medicare part C 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 advantage Medicare plus covers the following, Private Fee for service plan, health maintenance organizations, Medicare medical savings account plans, preferred provider Organizations, and special needs plans. Medicare Part D. With Part C of Medicare, it 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 plan are essential and come with many advantages, if you are eligible for these plans, you should enroll for them and enjoy all the benefits that come with them.