Many people know Medicare is a health insurance option for seniors and disabled individuals. However, families are often provided little information about how this government offering can assist their loved ones who are sick or over 65. Learn more below about the advantages of enrolling in a Medicare plan and how it can make getting critical medical services easier. 

Patient Guide to Medicare Benefits 

Eligible Citizens 

In addition to all Americans who are 65 and over, most adults with permanent kidney failure requiring dialysis or a kidney transplant are eligible for Medicare benefits. Those under 65 with ALS, dementia, or mental illness may also qualify. Multiple sclerosis and Parkinson’s disease are also conditions in which patients often receive coverage. Talking to an experienced broker will help you determine if the insurance is available for you or a loved one. 

Insurance Options 

Upon enrollment, every beneficiary will receive Original Medicare, which includes Part A and Part B. Medicare Part A is considered hospital insurance. This means patients receive hospital services, skilled nursing, nursing home care, hospice coverage, and assistance with home health services.

Prevention and screening services are covered under Medicare Part B. It also covers medically necessary supplies and services like durable medical equipment, some outpatient prescriptions, and ambulances. Some patients may opt for a Medicare Advantage Plan, like a PPO or HMO.

Coverage Advantages 

In addition to access to critical prevention and treatment services, families receive peace of mind knowing their loved one has affordable and automatic access to the care they need. In most cases, seniors or disabled patients will not pay any fees or premiums, since they already paid for them through their taxes. In addition to prolonging wellness, these programs help needy individuals keep more money in their pockets. 

Today’s health insurance marketplace can be confusing to navigate. Whether you need help applying for Medicare benefits or need more information about the right Medicare plan for you, Mary Marshall Medicare - Independent Broker in Lakewood, CO, is here to help. To make an appointment and discuss enrollment and eligibility, call her at (303) 241-6665. For more information about working with an independent broker versus an insurance agent, visit her website.