Questions are constantly being asked about Medicare. Cost, eligibility, and coverage are the three topics of discussion most talked about. Eligibility is an issue in itself. Most people are under the assumption that the only conditions to qualify for Medicare benefits are that they have become sixty-five. However, this is not the truth. This article will help you know the eligibility rules so you can easily determine if you are covered by the policies to qualify for Medicare and Medigap supplemental benefits.
The first group of people we will examine is the group of adults who are sixty-five or older. Sixty-five is a qualifying age, but there are other requirements that need to be met to get Medicare help from the government. It is a compulsory that you are a legal resident or US citizen. You also need to prove that you have lived in the US for at least five years. It is also important to note that when in a Medicare Covered Employment you will receive Medicare of at least ten years.
If you find that you qualify for all three of these guidelines, it is very likely that you will receive a Medicare card and a package by mail shortly before your sixty-fifth birthday. This will show what Medicare is, what it offers you and how to use it for your healthcare needs. You will automatically receive Medicare Part A and Part B. The Part B may be refused because it is optional and requires a monthly premium.
If you are under the age of sixty-five, you may qualify for Medicare benefits under certain circumstances. One is when you have end-stage kidney condition. If you are below the age of sixty-five, kidney disease will make you eligible for Medicare benefits. Yet another reason why the Medicare qualification is below sixty-five now is when the income from social security was enjoyed for twenty-four months.
Medicare is not a perfect cover. It does not cover all your medical expenses. That’s why it’s so important that you look into various Medigap supplemental insurances when you finally qualify for coverage. Medicare does not cover prescriptions and requires you to pay co-pays and premiums. Additional coverage from the supplemental insurance will help fill gaps that are covered by Medicare. Enroll in a 2019 medicare advantage plan to save money.
There are several items that do not cover Medicare Part A and B. Below is an example list of items that are not covered and the extra coverage should be selected if they are imperative for your well-being, both financially and health wise.
A type of alternative medicine not covered is Acupuncture. Acupuncture is a treatment that helps to cure discomfort by inserting thin needles that are placed strategically throughout the body.
Dental care is a very important part of the aging process and is not part of Medicare. It is advisable, if your dental history is a little less than stellar, that you seek extra insurance to fill the gap of Medicare.
Chiropractic is also something that many older people rely on that is not covered. Sometimes, the doctors offer seniors discounted rates. This is something you should think about when looking for gap insurance if your doctor does not.