Medicare 101: Intro To Medicare
Medicare is an essential government program that provides medical resources to retired individuals and others who qualify. It is a complex program that greatly impacts your level of care as you age.
At Sikov and Love, P.A., our experience with elder law concerns includes Medicare difficulties for people across Pennsylvania. We understand the law because we work with it so much on behalf of our clients in Pittsburgh. You can count on a highly respected level of service when you turn to us for answers about Medicare.
Understanding Medicare’s Parts
While most people understand “Medicare” as being some kind of medical care provider run by the federal government, most don’t know that it’s split up into several parts. Each of these parts governs a different type of coverage:
- Part A: Hospital insurance covers stays at the hospital or nursing home.
- Part B: Medical insurance covers doctor’s visits, drugs and care administered in the hospital says, counseling and care.
- Part C: Managed care offers most of the benefits of Parts A and B, with prescription drug costs as well. Private insurers manage this program, and you may have to pay out of pocket more.
- Part D: Prescription drug coverage covers prescriptions if you do not enroll in a managed care program.
With each part of Medicare, there are significant benefits and drawbacks to enrolling. We can walk you through each of them.
Eligibility Requirements For Medicare
All Medicare programs are for people over 65, which is one of the base requirements. However, many are eligible for reduced fees or even totally free care, depending on their work history. In some parts of Medicare, there are important residency requirements.
However, your eligibility or possible eligibility for Medicare, is a major piece of your estate planning and elder care service. You will have many questions about this process, and we’ll be ready with answers.