Medicare social insurance programs which is administered by US federal government by using various private insurance companies all over the country. The funds are coming from the surtaxes from beneficiaries, payroll tax, premiums and general revenue. Americans aged 65 or older are qualified for this including those with some disabilities.
Medicare has four different parts where each one covers specific services which you can use depending on your medical needs. The first one is the Medicare part A coverage where it covers services for hospital, skilled nursing facility, and hospice care and limited home health services. Here are some things you need to know about this coverage.
Hospital care means that the beneficiary will receive hospital expense coverage that are essential to them being an inpatient. This includes semi private room, nursing service, medications, meals and other services and supplies from the hospital. This does not include the cost for private room unless it is medically necessary and other extra charges.
Some are medically advised in staying at home to have their home health care because their conditions prohibits them to leave without help from another person, special equipment and transportation. Samples of the covered services are occupational and physical therapies. Durable medical equipment may be ordered by the doctor for home use though this will be on part B.
Skilled nursing facility stay would only be covered if you stayed at the hospital for at least 3 days which does not count the day you are discharged. This coverage includes nursing service, meals, semi private room, medications, dietary counseling, medical supplies and medical equipment. The doctor should certify your need to stay because you cannot receive at home the care needed.
Hospice coverage are for those that have terminal illness with less than six months left to live as certified by a doctor. The focus here is to relieve pain and make you comfortable instead of curing the disease you have. You must agree to abandon curative treatment for your terminal illness but instead will just receive palliative treatment.
The services include nursing, social, hospice aide and doctor plus medical supplies and medical equipment, pain relief medications and dietary counseling. There may be some cost also that are usually not covered in hospice like grief or spiritual counseling. Stopping your hospice care anytime is allowed if planning to return in having curative treatments.
Enrollment is usually automatic if you are receiving Social Security retirement benefits or from the Railroad Retirement Board when you turned 65. The benefits start at the first day of your birth month though if you were born on the first day then it will start a month before. Your Medicare card would be delivered three months before you turn 65.
If ever you are not qualified for enrollment automatically then you must manually do so during the period provided which is seven months. This includes your birth month and the three months before and the three months after it. Failing to enroll during this period may have to pay a penalty and should wait for the general enrollment period.
Medicare has four different parts where each one covers specific services which you can use depending on your medical needs. The first one is the Medicare part A coverage where it covers services for hospital, skilled nursing facility, and hospice care and limited home health services. Here are some things you need to know about this coverage.
Hospital care means that the beneficiary will receive hospital expense coverage that are essential to them being an inpatient. This includes semi private room, nursing service, medications, meals and other services and supplies from the hospital. This does not include the cost for private room unless it is medically necessary and other extra charges.
Some are medically advised in staying at home to have their home health care because their conditions prohibits them to leave without help from another person, special equipment and transportation. Samples of the covered services are occupational and physical therapies. Durable medical equipment may be ordered by the doctor for home use though this will be on part B.
Skilled nursing facility stay would only be covered if you stayed at the hospital for at least 3 days which does not count the day you are discharged. This coverage includes nursing service, meals, semi private room, medications, dietary counseling, medical supplies and medical equipment. The doctor should certify your need to stay because you cannot receive at home the care needed.
Hospice coverage are for those that have terminal illness with less than six months left to live as certified by a doctor. The focus here is to relieve pain and make you comfortable instead of curing the disease you have. You must agree to abandon curative treatment for your terminal illness but instead will just receive palliative treatment.
The services include nursing, social, hospice aide and doctor plus medical supplies and medical equipment, pain relief medications and dietary counseling. There may be some cost also that are usually not covered in hospice like grief or spiritual counseling. Stopping your hospice care anytime is allowed if planning to return in having curative treatments.
Enrollment is usually automatic if you are receiving Social Security retirement benefits or from the Railroad Retirement Board when you turned 65. The benefits start at the first day of your birth month though if you were born on the first day then it will start a month before. Your Medicare card would be delivered three months before you turn 65.
If ever you are not qualified for enrollment automatically then you must manually do so during the period provided which is seven months. This includes your birth month and the three months before and the three months after it. Failing to enroll during this period may have to pay a penalty and should wait for the general enrollment period.
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