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Medicare Simplified. Medicare insurance is a federal program for a specialized category of people. It mainly covers people who are 65 years and above, in some cases, people with disabilities (even younger), people donate suffering from permanent kidney failure and in other cases people who have worked full-time for more than ten years. Usually Medicare is categorized into two parts, as explained below. Part A. The decision of what to include in Medicare program is not based on several factors which include the following the federal and state laws, local decision to cover a particular person made by every insurance company in each state that have Medicare insurance program and national coverage decision made by Medicare on what should be included on the cover and what is to be left out .
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When you are covered in Medicare part A, it covers the following;
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Inpatient; the days you spend in the hospital. Medical Care from a skilled nursing hospital. The care that the insured receive from the hospice. Some specialized home health care. It is your responsibility to get to know what to expect in part A of Medicare. Part B of Medicare. There is a set rate by the Congress to be paid in Medicare part B. Each year the premium for Part B Medicare increase by a certain percentage if you are late for enrollment. By a certain percentage, the premium for Medicare increases in each year if you don’t sign up on time. In Medicare part B plan, there is a penalty if you are late for enrollment. Part B of Medicare covers the following, specific doctors charges, outpatient services, medical supplies and preventive services. Part C. It is also referred as the advantage plus plan, because it is offered by private insurance companies that work with Medicare to offer you the benefits of part A and B. When you enroll in a Medicare Advantage Plan, you will find that the Medicare services are included in the plan and are not paid in the original Medicare. The advantage Medicare plus covers the following, Private Fee for service plan, health maintenance organizations, Medicare medical savings account plans, preferred provider Organizations, and special needs plans. Part D. This part of Medicare adds the drugs prescribed to you by your doctor to the original Medicare, to Medicare medical savings, to specific Medicare cost plans and to certain Medicare private fee for services plans Bottom Line. It is very important to enroll in the Medicare plans so that you can enjoy all the benefits that these plans have.