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Medicare

medicare

Caring for someone with Medicare? Get some help.

Did you know that over 66 million Americans care for loved ones who have chronic illnesses, disabilities, or frailties that come naturally with old age?
It’s National Family Caregiver Month – a perfect opportunity to reach out for help if you’re caring for someone with Medicare. If you’re a caregiver, here are 4 things you can do this month to help you help your loved one:

  1. Check out our caregiver resources, including our caregiver resource kit and tips on how to take care of yourself.
  2. Make sure your loved one’s Medicare coverage still meets their needs. Medicare Open Enrollment is from now until December 7, and it’s important to take a few minutes to review coverage and pick a plan that works for your loved one.
  3. Learn how to reach out for help with AARP’s article on “Creating Your Caregiving Team” – a great reminder that caregiving is a big responsibility that no one should take on alone.
  4. Find resources near you by visiting the Administration on Aging’s Eldercare Locator.

BELIEVE in yourself… PROTECT your health… REACH OUT for help. Visit Medicare.gov for more information.
 

What Is Medicare?

Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those who have disabilities, permanent kidney failure or amyotrophic lateral sclerosis (Lou Gehrig’s disease). The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care. You may buy a Medicare supplement policy (called Medigap) from a private insurance company to cover some of the costs that Medicare does not.

Medicare is financed by a portion of the payroll taxes paid by workers and their employers. It also is financed in part by monthly premiums deducted from Social Security checks. The Centers for Medicare & Medicaid Services is the agency in charge of the Medicare program. But you apply for Medicare at Social Security, and we can give you general information about the Medicare program.
 

Medicare Has Four Parts

  1. Hospital insurance (Part A) helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care.
  2. Medical insurance (Part B) helps pay for doctors’ services and many other medical services and supplies that are not covered by hospital insurance.
  3. Medicare Advantage (Part C) plans are available in many areas. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations under Part C.
  4. Prescription drug coverage (Part D) helps pay for medications doctors prescribe for treatment. You can get more detailed information about what Medicare covers from Medicare & You (Publication No. CMS-10050). To get a copy, call the toll-free number or go to Medicare.gov

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