HIV AIDS Stigma and education

Medicare

Medicare

Medicare, created in 1965 as an amendment to the Social Security program, provides health insurance to persons age 65 and older, to disabled persons under age 65 and who have been receiving Social Security Disability Insurance (SSDI) benefits for 24 months, and to persons of any age suffering from permanent kidney failure. Medicare should be considered as offering payment for the “basic” costs of health care. Not all medical expenses or the costs of long-term-care are covered.

Medicare has 3 parts:
  • Medicare Part A: Part A generally covers inpatient hospital care, care in critical access hospitals, skilled nursing facilities, hospice care, and some home health care. Most people get Part A automatically when they turn 65 and are not required to pay a monthly premium. Payments are made from Medicare directly to the provider. Persons who are eligible for Part A are responsible to pay deductibles and co-payments to the provider.
  • Medicare Part B: Part B generally pays for doctors’ fees and services, outpatient hospital care, and some medical costs not covered by Part A, like physical and occupational therapy. Part B will help pay for some covered services only when they are declared medically necessary. Part B has a $100 deductible per year then pays 80% of an approved rate for each service. Benefits may be paid directly from Medicare to the provider, or to the patient, which must then be forwarded to the provider. Part B is a voluntary insurance plan and it is not free; there is a small monthly fee associated with the program.
  • Medicare Part D: In January 2006, the federal government put into operation Medicare Part D—a voluntary prescription medication program for all Medicare beneficiaries. Medicare Part D allows people over aged 65 to choose from a number of drug plans that must offer a set of basic prescription services. Individuals that enroll in Part D coverage must select a specific plan from a health insurance company that provides coverage in their local area. Plan premiums, deductibles, and co-pays will vary. Some individuals may also qualify for a low-income subsidy, or “extra help” for paying for medications.
CONTACT FOR MORE INFORMATION:

Social Security Administration
(800) 772-1213

4990 S. Clyde Morris Blvd.
Port Orange, FL 32127
(386) 761-8761

1629 S. Adelle Ave.
DeLand, FL 32720
(386) 734-8300