Medicare is available to the elderly and others in the United States.
Medicare is a health insurance program offered by the federal government in the United States. While some Medicare coverage is regulated by the federal government, there are also Medicare plans that are available through individual insurance companies. Oklahoma's SHIP program is available to ensure you receive the coverage you need.
Parts
The Medicare program has four parts, each of which is designed to meet the needs of different participants. Part A covers inpatient hospitals, nursing facilities, home health care and hospice care. This part is premium-free and the most popular of all plans for Americans older than 65. Part B charges the individual a monthly premium and covers doctor services, outpatient hospital care, emergency room care, durable medical equipment, and a variety of other services. Part C includes Medicare Advantage Plans while Part D includes prescription drug benefits.
Eligibility
Medicare is available to individuals who are 65 years of age or older or who have spent more than 24 months on Social Security disability. Medicare coverage is also available to individuals who have been diagnosed with End-Stage Renal Disease and which require dialysis or kidney transplants.
Medicare Coverage
Medicare gives the participant the ability to choose what type of coverage he would like to receive. The original Medicare program includes Part A and Part B and is run by the federal government. This type of Medicare does not vary from state to state. The original coverage also provides the individual with prescription drugs and Medigap insurance. Medigap is intended to supplement other insurance plans.
If the participant would prefer, she can choose a Medicare Advantage Plan, such as an HMO or PPO provided by private insurance companies who are working through contracts with Medicare. This coverage includes Part A and Part B, but charges and additional coverage can vary based on the insurance company. Finally, there are Medicare Cost Plans, Pilot Programs, and All-Inclusive Care of the Elderly plans that do not fall into either of these categories.
SHIP
Oklahoma's Senior Health Insurance Counseling Program (SHIP) is available to assist in helping you choose the Medicare coverage that is right for you. This program will provide you with basic information about the Medicare system and options that may meet your specific needs. It also discusses gaps in Medicare, such as deductibles, coinsurance, excess charges and non-covered items. SHIP will work with you to provide you with the information you need to obtain proper health insurance.
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