Points to Consider When Combining Medicare with Home Health Care
Medicare can sometimes be confusing, mostly when complex health problems arise with the demand for Medicare Supplemental Plans 2020 supplies, such as oxygen beds or hospital beds. Although the insurance labyrinth is quite challenging to resolve, it is estimated that about 47.5 million persons gained from this initiative in 2010, which is over one-sixth of the country’s population.
Here is a quick overview and answer to frequently asked questions about health insurance and home care.
- Who is qualified?
Medicare is a national health insurance program created by the United States government for people who:
– 65 years old and above
– below 65 with deficiencies
– diagnosed of end-stage renal failure, a form of consistent renal failure requiring renal dialysis or transplantation.
- What types of services are insured by Medicare?
Medicare has four different insurance areas: Parts A, B, C, and D. The initial Medicare policy includes Parts A and B. Part C is called the “Medicare Advantage Policy.” The four parts are briefly summarized:
– Medicare Part A: Hospital Insurance
* Part A is responsible for hospital care and health care in health care facilities, home care and palliative care.
– Medicare Part B: health insurance
* Part B includes medical visits and visits to other health professionals. Part B also includes outpatient clinics, home care services, and permanent medical facilities (for example, intravenous infusion devices). In addition, Part B includes some types of prevention services, such as certain vaccines.
– Medicare Part C: Medicare Insurance
* Part C groups the health policy options obtained from other private health insurance companies accredited by Medicare. Part C also incorporates Medicare controlled drug coverage (part D) and can be adapted to include additional benefits at an additional cost.- Medicare Part D: Medicare health insurance under prescriptionPrescription drugs approved by Medicare and your prescription are insured by Part D. You can reduce the price of other drugs. As in Part C, private insurers accredited by Medicare also manage Part D.
- Why do I have to choose between Medicare policies?
The choice of “Original Medicare” (ie, Parts A and B) will include the payment of monthly premiums in Part B and may require additional insurance to pay for insurance and franchises to visit doctors, hospitals and other providers who accept Medicare . If you need a prescription medication, you will need to adhere to the prescription drug policy (part D) and pay a monthly premium.The “Medicare Assistance Policy” (Part C, which includes Parts A and B) requires, in addition to the allocation of Part B, the payment of monthly premiums and an additional payment to physicians for policies to hospitals. If the prescribed medications are not insured by additional insurance, you can adhere to the Medicare prescription drug policy (Part D).As with prescribed medications, additional insurance can be purchased to guarantee benefits not insured by Medicare. The “Original Medicare” policy allows the purchase of Medicare supplemental insurance (Medigap), unlike the “Medicare Advantage Policy.”Always check if you can get additional insurance protection from your union, employer or army.