Health Care Article


MEDICARE IS HERE TO STAY

MEDICARE IS HERE TO STAY

 

By Sandra Perez

Social Security Assistant District Manager, Phoenix Downtown

 

Medicare went into effect 48 years ago on July 1, 1966. Earlier that same year, Medicare workers went door to door trying to get seniors to sign up. Medicare was not the cornerstone then that it is today and people did not know whether it was going to work for the long haul.

 

Now, nearly half a century later, Medicare remains one of the most popular government programs in the nation.

 

We can’t see the future, but one thing’s for sure:  Medicare is here to stay. Medicare provides health insurance to more than 50 million Americans. Forty-two million are people age 65 and older and the other 8 million are younger and have disabilities.

 

Most people first become eligible for Medicare at age 65.

 

The four parts of Medicare are parts A, B, C, and D.

  • Part A (Hospital Insurance) helps cover inpatient hospital care, skilled nursing care, hospice care, and home health care. Most people get Medicare Part A premium-free since it is earned by working and paying Social Security taxes.
  • Part B (Medical Insurance) helps cover services from doctors and other outpatient health care providers, outpatient care, home health care, durable medical equipment, and some preventive services. Most people pay a monthly premium for Part B. In 2014, the premium for most people is $104.90, the same as it was in 2013. Some high-income individuals pay more than the standard premium. Your Medicare Part B premium also can be higher if you do not enroll when you are first eligible, also known as your initial enrollment period. There also is a Medicare Part B deductible of $147 in 2014.
  • Part C (Medicare Advantage) allows you to choose to receive all of your health care services through a provider organization. This plan includes all benefits and services covered under Part A and Part B, usually includes Medicare prescription drug coverage, and may include extra benefits and services at an extra cost. You must have Part A and Part B to enroll in Part C. Monthly premiums vary depending on your state, private insurer, and whether you select a health maintenance organization or a preferred provider organization.
  • Part D (Medicare prescription drug coverage) helps cover the cost of prescription drugs. Many people pay a premium for Part D. However, people with low income and resources may qualify for extra help from Social Security to pay the premium and deductible. To see if you qualify for extra help visit www.socialsecurity.gov/prescriptionhelp.

 

Will you be age 65 soon? Even if you decide not to retire, you should consider applying for Medicare. You can apply in less than 10 minutes using our online Medicare application. Do it today at www.socialsecurity.gov/medicareonly.

 

To learn more about applying for Medicare when you plan to delay retirement, read our publication Applying For Medicare Only—Before You Decide, available at www.socialsecurity.gov/pubs.


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QUESTIONS

  • What is Medicare?
  • if i lost my gun rights (due to going to prison) but waited 12 years after getting out and started buying guns , and then got charged with misconduct with weapons. Because i did not know i had to file something, but after my arrest i have filed and got my civil and gun rights back, but am facing a class 4 felony and 4.5 years in prison. Is this beatable in trial due to to the fact i have my rights back now, after my new arrest though. Please help ASAP
  • My parents are on social security income only and we are evaluating whether to put my Dad in a nursing home. He would most likely be eligible for ALTCS. My parents own their home and it is the only asset left to support my mother. I heard that a nursing home can take half the house value if the house is sold within 3 years of my father entering a facility. Can the home be put into a trust for my mother or sold to a family member before my father enters a nursing home to avoid this?
  • I have a question dealing with statute of limitations. I had cosmetic surgery in July 2017. Afterwards I had Ramsey Hunt Syndrome in my left ear. I have lost balance and dizziness problems due to the damage. I had tests performed by a doctor in fall of 2019 which diagnosed the extent of damage from this. Would the statute of limitations be from date of Ramsey Hunt diagnosis or could it be from the date the damage was measured and diagnosed by a doctor?
  • My mother had quad bypass surgery 10/07. Upon coming home from the hospital we needed a caregiver to help my mom take her meds go to the bathroom , feed herself , bathe herself etc. After 90 days my mothers LTC kicked in. We filed a claim with Humana , which is the provider that administers her medicare , on 04/20/07. We called a couple of weeks later and were told it takes 30 days to process. We then called the end of May and were told they have it but to wait another 30 days. We called at the end of June and were now told it was in the wrong dept but it would now be expedited. I called mid July spoke to a "manager " Joe Clark who said it was still in the worng dept but he wopuld expedite it and call me back in 1-2 days. NO CALL 10 days later I call and speak to Stephanie, and she tells me her sup. will call me back NO CALL. i call 5 days later speak to Woodley , he tells me he has no idea about the delay but will rush it. I call at the end of July speak to yet another manager who tells me they "changed" vendors and need me to refax the entire claim. She asks me what the claim is about I tell her and she tells me that what I described to her is really more "housekeeping" work and not covered. KEEP IN MIND she hasn't even reviewed the claim. I am now approaching 4 months since we first submitted this and I am at wits end. What are my options to get this expedited one way or another
  • The provider that diagnosed my son with autism is withholding records due to non payment. The law says she cannot do this. What is my next step?
  • I CANT FIND A LAWYER WHO WILL TAKE MY CASE. I AM SUFFERING FROM A HYPOXIC BRAIN INJURY AFTER BOWEL OBSTRUCTION SURGERY. IM RUNNING OUT OF TIME TO FILE. WHATEVER HAPPENED TO JUSTICE FOR ALL?
  • Can I request "in-home" assistance thru AHCCCS? We are in need of assistance for someone with mild Alheimer's as reminders for taking medicine and for personal health & safety a few hours a day. Is this possible thru AHCCCS?
  • My mother is 85 and being treated by a naturopathic doctor. My sister and I are concerned that the care she is getting is harming her overall health. We have contacted the Naturopathic Physician Medical Board to file a complaint. They are willing to move forward and subpoena her medical records for review. The problem is that they say there is no way to keep this physician from mentioning it to our mother. We feel that our mother puts an abnormal amount of "faith" in this physician and that she has been, for lack of a better word, "brainwashed" into believing that he can do no harm. We want to proceed without fear that he will convince my mother that we are "the bad guys." What do we need to do to proceed without fear that he will discuss this with our mother? Any suggestions or guidance would be greatly appreciated.
  • Where Can I Buy Cialis (tadalafil) Online at Lowest Price?

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