Welcome to Our Medicare Page

On this page you will find a brief summary of Medicare. Links are provided that will take you to the various parts of Medicare to assist you in understanding how to make informed decisions about your healthcare and medical needs.

 

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Introduction to Medicare Health Coverage

What Is Medicare and how does it work?

 

Click Here for information on Medicare Parts A, B and Part D.

Click Here to watch Videos on the various parts of Medicare and how to use them.

Click Here for ways you can help stop Medicare Fraud

Click Here for a Lost or Replacement Medicare Card


What Is Medicare?

 

Introduction to MedicareMedicare is an 80-20 health insurance plan provided by the US Government to seniors over the age of 65 or older, people under 65 with certain disabilities, and those of any age with End-State Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).


What Is An 80-20 Plan?

 

An eighty-twenty plan means that Medicare will pay 80% of covered costs after you meet any deductibles that apply for the year.

You are responsible to pay all deductibles, copayments and the 20% of any costs that Medicare does not cover.

You are responsible for 100% of any service that Medicare does not cover in Original Medicare.

Always check that your provider or facility accepts Medicare.

To see if a provider is Medicare approved, call:

  • 800-MEDICARE (800-633-4227)
  • 877-486-2048 (TTY users)

Click Here for information on Medicare Parts A, B and Part D.

Click Here for Links to more information about Medicare Signup

 

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Don't Wait For Open Enrollment

Why you shouldn't wait for open enrollment or your full retirement age — or for the government to tell you it's time to sign up

 

If you're just becoming eligible for Medicare, the open enrollment period at the end of the year (Oct. 15 to Dec. 7) is not for you.

That time frame specifically allows people who are already in Medicare the option to change their coverage for the following year if they so choose.

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For Those New To Medicare

How Enrollment Works

Medicare Enrollment

 

As a Medicare newbie, you get an enrollment period of your very own, as explained in the section headed "When you should sign up for Medicare — at the right time for you - Click Here."

Similarly, you shouldn't wait until you reach your full retirement age (currently 66) before enrolling in Medicare — unless you continue to have health coverage after age 65 from your own or your spouse's current employment.

And you shouldn't hang around waiting for the government to send a letter telling you that it's time to sign up for Medicare.

It won't happen — unless you already receive Social Security benefits, in which case you'll be signed up automatically just before your 65th birthday.

In all these situations, postponing Medicare enrollment could bring serious consequences (delayed coverage and late penalties), as explained in the section headed "What happens if you miss your enrollment deadline - Click Here."

Always check that your provider or facility accepts Medicare.

To see if a provider is Medicare approved, call:

  • 800-MEDICARE (800-633-4227)
  • 877-486-2048 (TTY users)

Click Here for information on Medicare Parts A, B and Part D.

Click Here for Links to more information about Medicare Signup

 

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Where And How To Sign Up For Medicare

 

Where to sign up for MedicareTo enroll in Medicare (the health program), you just call Medicare (the federal agency), right?

Wrong! For historical reasons, the Social Security Administration handles Medicare enrollment — as well as related issues such as eligibility and late penalties.

The Medicare agency deals mainly with coverage and payment issues.

IMPORTANT:

If you're already receiving Social Security retirement or disability benefits when you become eligible for Medicare, SSA will automatically sign you up for Medicare Parts A and B, and you'll receive your ID card through the mail. Otherwise, you must apply.

Call Social Security at 800-772-1213 or go to the Social Security website by Clicking Here.

Note that if you're not already receiving Social Security benefits at age 65, you will not be notified when it's time for you to enroll in Medicare.

And if you let your enrollment deadline trickle past and then get hit with late penalties, you can't appeal on the basis that you "didn't know." Ignorance of the law is not considered a defense.

Always check that your provider or facility accepts Medicare.

To see if a provider is Medicare approved, call:

  • 800-MEDICARE (800-633-4227)
  • 877-486-2048 (TTY users)

Click Here for information on Medicare Parts A, B and Part D.

Click Here for Links to more information about Medicare Signup

 

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Medicare and You 2015

 

Medicare and You Book 2015

You should have received the book on the left in your mailbox.

It's a complete explanation of how Medicare works and all the changes that will be taking place in 2015.

We have documented the major changes on this page and our Medicare Part A and Part B Page as well as Medicare Part D also.

If you don't have the "Medicare and You 2015" you can order or download it by CLICKING HERE.

Click Here for information on Medicare Parts A, B and Part D.

Click Here for Links to more information about Medicare Signup

 

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Things Medicare Does Not Cover

  • Long term care (custodial care)
  • Routine dental or eye care
  • Dentures
  • Cosmetic Surgery
  • Acupuncture
  • Hearing Aids and Exams for fitting them

things Medicare Doesn't CoverEven if Medicare covers the services you need, you may also have to pay some deductibles, coinsurance and copayments not subject to Medicare.
 
IMPORTANT: Be advised that not all Hospitals, Doctors or Healthcare Professionals accept, or are even required to accept, Medicare or Medicaid.

Always check with your doctor or healthcare provider to make sure Medicare is accepted and that your medical needs will be covered under Medicare.

VERY IMPORTANT:

If you did not work, and did not pay into Medicare, you can buy Medicare Part A, but it will cost you up to $426.00 per month in 2014. (Reduced to $407 in 2015.)

If you buy Part A, you must also buy, and pay the premium for, Part B as well.

You may qualify for assistance from your state to offset this cost based on your income and other factors.

For more info about Part A and Part B premiums call your local Social Security Office 1-800-772-1213.

Click Here for information on Medicare Parts A, B and Part D.

Click Here for Links to more information about Medicare Signup

 

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"Welcome to Medicare Preventive Visit"


Medicare Preventive Visit with DoctorPart B (see more on Part B here), you can get a“Welcome to Medicare Preventive Visit" with your Doctor.

This visit includes a review of your medical and social history related to your health, and education and counseling about preventive services, including certain screenings, shots, and referrals or other care if needed.

When you make your appointment, let your doctor’s office know that you would like to schedule your “Welcome to Medicare Preventive Visit."

You pay nothing for the “Welcome to Medicare Preventive Visit" if the doctor or other qualified health care provider accepts Medicare.

If your doctor or other health care provider performs additional tests or services during the same visit that aren’t covered under this preventive benefit, you may have to pay coinsurance, and the Part B deductible may apply.

To see if a provider is Medicare approved, call:

  • 800-MEDICARE (800-633-4227)

  • 877-486-2048 (TTY users)

Click Here for information on Medicare Parts A, B and Part D.

Click Here for Links to more information about Medicare Signup

 

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Additional Medicare Links for More Information From AARP

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Photo Credits
Some Images courtesy of StockImages at FreeDigitalPhotos.net
Some images courtesy of Vichaya Kiatying-Angsulee at FreeDigitalPhotos.net
Some images courtesy of Ambro at FreeDigitalPhotos.net
 

 

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