Tuesday, July 3, 2012

Medicare - What is It?

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Medicare is a public assurance schedule administered by the United States government. It is set up as a single payer condition care principles which means that all service providers such as doctors, labs, hospitals, therapists etc, get paid from one central fund. In this case, that fund would be administered by the public safety management under the management of the Centers for Medicare and Medicaid Services. Medicare is funded through imposed payroll and revenue taxes.

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How is Medicare - What is It?

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Medicare came into existence with the public safety Act of 1963, when signed by President Lyndon Johnson as a way to contribute healing coverage for citizens of the age 65 or older as well as those with extra conditions who may qualify for these benefits before the age of 65. Population who have had permanent resident status in the United States for 5 consecutive years are also eligible if over the age of 65. Those younger then 65 qualify if they are disabled and collecting public safety benefits. There are some caveats to this, but this is a general requirement explanation.

Up until 2006, Medicare came as a two part condition assurance plan, with those parts being called Medicare Part A, which covers in-hospital stays and Medicare Part B, which covers most other patient and general healing care costs, with many exceptions. In 1997, Part C was added called Medicare Advantage. This was essentially an choice to add services, at a premium, through secret condition plans that would cover what Medicare did not. This plan comes with limits to how much can be spent per day, per month and per year. In 2006 someone else part was added to Medicare, called Medicare Part D. This provides for medications not covered in Part B, or Part C. It is designed and administered by secret condition associates and coverage is not standardized, meaning dissimilar plans will cover dissimilar groups of medication. Looking the right one can be a bit of a challenge and all of these plans come with copays, premiums and out of pocket expenses that must be met along the way.

Given how spotty Medicare coverage is on the whole there are policies called Medigap coverage that help fill in the gaps left by Medicare. Medigap policies or Medicare Supplement Policies are standardized by the town for Medicare and Medicaid Services, but sold and administered by secret condition care companies. Because those who have Medicare coverage are usually retired persons with fixed revenue the cost of having to buy and maintain a Medigap procedure can be cost prohibitive. Some will qualify for Medicaid assistance, but most do not.

Getting a Medigap procedure is prominent if the following services need to be covered: specific types of Rehabilitation

Long Term Assisted Living Care

Long Term Convalescent Care

Skilled Nursing factory after the first 20 days of stay

Hospital stay for fewer then the covered 3 day minimum of Medicare Part A

What is covered by Medicare all parts can be quite confusing, and things are always field to change. There are books given by the government as well as the Medigap procedure issuer that help construe what is covered and what is not. There are also some great books published that work on behave of the insured and contribute breathtaking resources for advocacy when needed.

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