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Medicare, Medicare Help and Answers


Medicare

Congress enacted Medicare in July, 1965 and began paying benefits in July, 1966. There have been many changes since then & we will attempt here to give you an outline of the current options. Details of the current Medicare plan can be found on the Medicare web site at www.medicare.gov . Look for the bulletin, Medicare & You 20XX.

There are two three part sections to the current Medicare plan.

  • Part A is referred to as Hospital Insurance.
  • Part B is commonly referred to as Medical Insurance.
  • Part D is referred to as the Prescription Drug Plan.

You will need to understand the meanings of the words coinsurance, Copayment, Deductible, & Benefit Period. You are required to pay premiums for you Part B coverage, 93.50 in 2007. This will be deducted from your Social Security Check. You may elect to not have Part B coverage but may be assessed premium penalties if you add it at a later date.

You have several options from the insurance world to help you reduce your part of future medical claims associated with Medicare. There are Medigap policies which fill in most of the gaps in your Medicare coverage. There are also Medical Advantage plans that can reduce your costs. Plus of course, Medicare Part D Prescription Drug Plans to reduce costs associated with medications

The “Medicare & You 20XX” can be a great aid in helping you understand what Medicare will and will not cover. Also, if your income and assets qualify, you may be able to get assistance with a “Low Income Subsidy” or qualify for Medicaid.

We can help you understand an work through the process that will best match your economic circumstance and individual needs

What did you have in mind? Let’s find a solution together. For more information on this and other subjects call Bruce at 407-765-9444 or fill out the form on our Contact Page. You may also refer to out Learning Center on this subject in the menu on the left.


 

 
 

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