Medicare

overview
                                 So  what is Medicare?  How does Medicare work?                                    When am I eligible to use it?  How would it benefit you?
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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.                                 
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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
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Medicare Part B Application

Request of Employment Form​
HIPPA - Health Information Privacy 
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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!