Medicare

overview

                                 So  what is Medicare?  How does Medicare work?                                    When am I eligible to use it?  How would it benefit you?
Needing help with your Enrollment?

Click the above picture to launch VIDEO regarding Medicare and getting a Free Medicare Review Consultation!

So what is Medicare?

• Medicare is the Federal Health Insurance program for:
• People who are 65 or older
• Certain younger people with disabilities
• People with End-Stage Renal Disease (ESRD) with permanent kidney failure requiring dialysis or a transplant, or amyotrophic lateral sclerosis (ALS).

How does Medicare work?
​The different parts of Medicare help cover specific services:

• Medicare Part A (Hospital Insurance)                                                                                                                                                                                      Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.


• Medicare Part B (Medical Insurance)                                                                                                                                                                                         Part B covers certain doctors' services, outpatient care, medical supplies, and preventive health services.


• Medicare Part C (Medicare Advantage Plans)                                                                                                                 Part C is a type of Medicare health plan offered by a private company  that contracts with Medicare.                    Medicare Advantage Plans provide all of your Part A and Part B benefits.                                                                                                                                                                                                                                                                                                                                                                                                             Medicare Advantage Plans include:
  • Health Maintenance Organizations
  • Preferred Provider Organizations
  • Private Fee-for-Service Plans
  • Special Needs Plans
  • Medicare Medical Savings Account Plans

                       If you’re enrolled in a Medicare Advantage Plan:
​                                               - Most Medicare services are covered through the plan
                                               - Medicare services aren’t paid for by Original Medicare
                                               - Most Medicare Advantage Plans offer prescription drug coverage and follow the same rules as Medicare                                                    Prescription Drug Plans.

• Medicare Part D (Prescription Drug Coverage)                                                                                                           Part D adds prescription drug coverage to:
  • Original Medicare
  • Some Medicare Cost Plans
  • Some Medicare Private-Fee-for-Service Plans
  • Medicare Medical Savings Account Plans

           
*   These plans are offered by Insurance Companies and other Private Companies that are approved by Medicare.                                 

eligibility to use medicare?

When you turn 65 years old you become eligible for Medicare if you:

1. Either receive or qualify for Social Security retirement cash benefits
2. Or, currently reside in the United States and are either:
   1. A U.S. citizen
   2. Or, a permanent U.S.    resident who has lived in      the U.S. continuously for      five years prior to applying

You can also be under 65 and eligible for Medicare because you are ​ receiving Social Security Disability Insurance (SSDI).


2020 Medicare & You Handbook

how would it benefit you?

Medicare Part A provides you with:      1) Hospital Care coverage,                          2) Home Health Care benefits,                   3) Nursing Home coverage,
4) Hospice coverage
* you must meet various qualifying conditions for          2, 3 & 4 above

Medicare Part B provides you with coverage for:
1) medical services and supplies
2)​​ possible outpatient care, preventive services, ambulance services, and    durable medical equipment
3) part-time or intermittent home health and rehabilitative services, such as physical therapy, if they are ordered by     a doctor to treat your condition
* must be deemed necessary by your Doctor regarding 1, 2 & 3 above

Medicare Part C provides you with a combined coverage for: both Medicare Part A & Part B

Medicare Part D provides you with coverage for:
1) prescription drug benefits

medicare resources

Medicare 101

Medicare.gov

Medicare Advantage California

---

MEDICARE FORMS
​

Medicare Part B Application

Request of Employment Form​

---

HIPPA - Health Information Privacy 
​
U.S. Department of Health & Human Services

Call Western States Financial regarding your Medicare questions and to help you with your enrollment.

Call (951)371-7608 today!