At one point or another, most seniors are confused or perplexed about some of these Medicare related questions. Here are some answers:

1. Who is eligible for United States Federal Government Medical Insurance?

If you are a citizen that qualifies and receives benefits from either the American Social Security program or the Railroad Retirement board, you are eligible automatically for basic Medicare Part A coverage. Your eligibility is usually in effect if the following situations are relevant to your medical condition:

– You have received Disability Income payments from Social Security for more than two years.
– You suffer from kidney failure of a permanent nature or have renal disease that is end stage and you require continual dialysis treatments.
– You have been diagnosed with Lou Gehrig’s Disease

2. What Coverage Falls under Medicare Part A?

Medicare Part A is known as your Hospitalization Insurance. There is no type of premium for Medicare Part A coverage. You may also be eligible if your spouse is already covered. Generally, Part A covers some of the following expenses.

– Hospital care of an inpatient nature
– Skilled nursing facility care of an inpatient nature
– Inpatient rehabilitation facility care
– Hospice care at home or facility
– Selected types of home health care services
– Mental health or psychiatric inpatient care

3. What Coverage is provided by Medicare Part B?

Part B Medicare coverage is known as Medical Expenses Insurance program. Part B covers some of two types of medically necessary medical services.

– Diagnostic medical services necessary to determine, diagnose and treat a medical condition
–  Medical services that are deemed and considered to be preventative in nature. These help prevent or help detect illness at an early stage. The goal of these preventative services is the early detection in order to provide timely management of the medical situation.

4 – What medical care or services are provided by Medicare Part D?

Medicare Part D is a benefit for help with payment of some of your prescription and over the counter drugs. This is provided by private insurance companies. Basic Medicare coverage has no Part D section. The standards of service and coverage are set by Medicare to help standardize the plans available. The companies providing this coverage are contracted to Medicare for their participation. Many supplemental Medicare plans have a gap or hole in their coverage for drugs. This deficiency in coverage will reduce in coming years thanks to the Affordable Health Care Act. While having a Medicare Part D plan is optional, failure to participate when first eligible may result in future higher premiums or even penalty assessments.
To make sure you understand your options and the time restrictions on obtaining Medicare Supplemental plans please contact Columbia River Benefits. Discuss your situation with a knowledgeable agent who can answer your questions and concerns in depth. Most seniors ask for, and receive, valuable free assistance in making their Medicare Supplemental Insurance decisions.

The government medical insurance programs are valuable benefits for American seniors. While the program may seem complicated, this allows senior citizens to tailor their total medical insurance plan and coverage to meet their own situation financially and medically.

This website is not affiliated nor endorsed by or with the United States Federal Medicare program. It is an independent consumer information portal only.