Who qualifies for Medicare coverage?

When US citizens attain the age of 65, they qualify for Medicare. During this time they can get Medicare supplement without answering several health questions. The program helps millions of people in America.

Medicare is a health-insurance program, which helps people with disabilities and Senior citizens. All US citizens and permanent residents are qualified to obtain Medicare benefits. However, Medicare does not pay all the bills but protects against high health care costs.

Initially, Medicare has two parts referred to as Original Medicare or Part A and Part B. But the program has expanded to include several parts with more benefits. It is therefore important to understand all Medicare Parts and how they work to be able to sign up the right way.

But today we have different types of Medicare that include Medicare Part A, Medicare Part B, Medical Part C and Medicare Part D.

• -Medicare Part-A pays for inpatient hospital stay or a care in a qualified nursing facility. It also covers some home health-care.
• -Medicare Part-B covers some doctor services, medical supplies, outpatient care and preventive services.
• -Medicare Part-C is offered by insurance companies that have a contract with the federal government. The part covers everything covered by Medicare Part-A and B and more additional benefits.
• -Medicare Part-D adds medicine prescription to the original Medicare.

 

When to enroll in Medicare

The original enrollment period for Medicare starts 3 months before the 65th birthday and ends three months after the 65th birthday. For someone to be suitable for Medicare, here are some of the rules.

 

Who qualifies for Medicare Coverage?

1. -A person aged 65 or above – a person qualifies for Medicare as soon as he or she reaches the age of 65. However, you or your wife/husband needs to have been working for some years to be entitled to Railroad-Retirement or Social Security benefits. Whether you are receiving them or not, you already for Medicare. You normally need 40 credits or more (equivalent to 10 years of work) to qualify for the benefits. Someone with the work credits can start claiming the benefits at the age of 62 onwards. However, if you claim your benefits before attaining full retirement age, it means you accept lower payments. Also, even if someone claims the benefits early, he or she needs to wait until the age of 65 to be eligible for Medicare.
2. -A person below the age of 65 and have disabilities – if you are young than sixty-five and have disabilities you can apply for the Medicare. However, the disability such as severe illness or injury should prevent you from earning a certain amount of money every month. Also, you should have received the Social-Security disability aids for a period of 24 months. The 24 months do not have to be consecutive.
3. -A person with permanent kidney failure – if you have a permanent-kidney problem, you also qualify for the Medicare no matter the age. Normally, it is defined as regular kidney dialysis or the kidney transplant. However, you or your husband/wife need to have paid the Social Security for some tim

Medicare is a complex health program with changing rules and regulations. It is therefore important to learn and understand the program before you apply.