Know about the eligibility and benefits of the Medicare national health insurance program

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SEP 08, 2019 AT 05:05 AM

Medicare is one of the best federal programs and designed to provide healthcare to senior citizens aged 65 or older and also those who have qualifying disabilities irrespective of their age. This national health insurance program has begun in 1996 in the United States under the Social Security Administration.  The Centers for Medicare and Medicaid Services administrates this national health insurance program at this time and assists residents to get loads of benefits from this program.

The four parts in the Medicare are Part A, Part B, Part C and Part D. The Part A provides the inpatient or hospital coverage. The Part B provides the outpatient or medical coverage. The Part C provides an alternate way to receive the Medicare benefits. The Part D provides the prescription drug coverage. In general, every part of this national health insurance program covers specific services. Many people who are eligible for this program these days choose to receive their Part A and Part B benefits via the original Medicare. They get various benefits from this traditional fee for service program offered by the federal government.

Medicare Part A and Part B eligibility

U.S. citizens and people who are permanent legal residents in the U.S. for at least 5 continuous years are eligible for the Part A and Part B Medicare program. They must meet any of the following requirements to be eligible for Medicare Part A and Part B.

  • Be 65 years old or older and qualify for the social security
  • Be permanently disabled and receive disabilities benefits for at least a couple of years
  • Have end-stage renal disease which requires a kidney transplant or dialysis treatment
  • Have Lou Gehrig's disease

Eligibility for Medicare Part C otherwise known as Medicare Advantage

Private insurers provide Medicare advance plans. Individuals must be enrolled in the Medicare Part A and Part B and reside in the service area of the Medicare advantage plan they require. They can contact a licensed insurance agent to get further details about this plan.

Medicare Part D eligibility

Medicare Part D covers the prescription drugs same as the Medicare Part C and available through private insurers approved by the Medicare. You must have enrolled in the Medicare Part A and Part B to be eligible to enrol in the Medicare prescription drug plan.

Benefits of the Medicare

The Part A Medicare covers the inpatient hospital stays where the eligible candidate has been admitted to the hospital including the semi-private room, tests and food. Many medical services are available under the Part A of the Medicare. The Part B medical insurance assists people to pay for various services and products usually not covered by the Part A.  This insurance plan is generally on an outpatient basis and usually deferred when the beneficiary is working and has any group health coverage via an employer. A Medicare beneficiary in the Part C category get the coverage which meets the standards specified by the original Medicare and does not cover each benefit in this way.