Medicare Guide

What is Medicare?

American Seniors offers information on medicare supplemental insurance cost, medicare part b, medicare supplemental insurance humana, medicare supplement insurance rates, medicare advantage, medicare part d supplements, blue cross blue shield, alternatives to aarp medicare supplements

When you are looking for medical insurance you will undoubtedly hear about Medicare. This will lead you to ask the question, “What is Medicare?” The answer is Medicare is a specific type of health program which is offered to those over 65 years of age and ran by the government. However, people under 65 years of age can also be eligible for Medicare. They will have to meet certain criteria in order for them to receive approval. A permanent disability does not automatically guarantee someone Medicare; they will have to be approved first. Medicare is only available to United States residents whom have legally been in the United States for at least 5 years.
Medicare is a federal program; this means that it is a program which is available to the residents of any state located in the United States. Under the Medicare program an elderly or permanently disabled individual will be able to receive medical care as well as hospital care. The medical care which is covered consists of doctors’ visits, hospital visits and stays, prescription drugs and therapies, as well as other treatments. Medicare was originally created as a way to provide medical treatment to the elderly. It was in effect for seven years when the permanently disabled where added to the list of those who would be eligible to receive Medicare.
Medicare is available to anyone once they turn 65 years of age. A person who turns 65 years has a seven month long period in which they can apply for Medicare without a fee, this period begins three months before their birthday and lasts for three months after it. If they do not begin the enrollment process within that seven month period, they may find themselves paying fees or penalties in order to receive Medicare. When it comes to enrolling in Medicare, it can be a bit confusing and time consuming. Many people find that they need assistance when it comes to enrolling.
Although Medicare is a federally funded health program, there are still different types of Medicare available. Sometimes Medicare may be administered by an HMO. What this means is that a private company will be paid by the government in exchange for administering Medicare. There is a debate about the HMO Medicare program which has been ongoing. Some feel the program serves people better, while others are sure they aren’t getting as good of care as they should.
There are some choices available when it comes to Medicare. When a person is enrolling in the Medicare program, they will need to decide on whether they want to enroll in strictly Medicare part A, or if they also want to enroll in part B. Then there is part C and D to take in to consideration; this is where things can start to become even more confusing. It is important that a person learns all they can about each of the programs so they make the right choice when they are enrolling. It’s important to know that Medicare doesn’t cover everything and you will still experience some out of pocket costs for things such as co-insurance, co-pays, deductibles, etc. American Seniors will constantly update this site with the newest changes involving Medicare.

Medicare Part A
When it comes to Medicare, there sure is a lot to learn. You can’t just make your decisions on a whim and hope that you made the right ones. The decisions which have to do with your Medicare are very important and your future medical care and treatment depends on you choosing wisely and carefully. That is why you will want to educate yourself on Medicare. Let’s start with learning more about Medicare part A.
Medicare part A is the portion of Medicare which has to do with your hospital portion of the program. It is the portion which has to do with any inpatient hospitalization, inpatient nursing facility care, critical care hospitals, hospice care, and home health care. Part A will not be responsible for your long term care or your custodial care. Part A does not cover everything; here is a list of some of the types of things which will be covered by Part A:
* Blood transfusions you receive during your stay.
* Hospital stays which are longer than 72 hours. This will include your room, meals, nursing, services, and supplies. Your Inpatient care during a stay in a critical access hospital and mental health care facility will also be covered.
* Nursing home and skilled nursing care facility stays will also be covered. However, your stay in one of these facilities must be related to a diagnosis which you received during your hospital stay. Your room, meals, rehabilitative services, care, and nursing will be covered.
* Home health services are also covered by Part A. These home health services are limited to only medically necessary care which is part-time. Services such as skilled nursing, therapy, home health aide service, medical social services, and speech therapy are some of the covered services. Certain home health medical equipment will also be covered under Part A. This includes such items as walkers, wheelchairs, Oxygen, beds, and so on.
* Hospice care is also covered. This is care for a person who has been given six months or less to live. Part A will cover medicine to relieve or control pain, support services, counseling, and other necessary services. Medicare doesn’t help with any of the hospice services which are already provided to patients receiving hospice assistance. However, it will cover the cost of additional care in order to give a break to the regular care giver.

When you are receiving part A Medicare, you may find that what you pay could differ from what someone else you know is paying. This is because there are some factors which are considered which will determine the amount, if any that a person will pay for their Part A Medicare. One of the factors include whether you or your spouse paid into Medicare taxes while you were working. When you are preparing to enroll in Medicare, you will want to learn as much as you can about the different parts of the program. There is a lot of information that you will want to be well versed on. Part A is only a small portion of the program.

Medicare Part B
When you are getting prepared to do your enrollment for Medicare, you will want to learn about all of the parts of Medicare. Not only will you want to make sure that you know whether or not this program is for you, but you will also want to know what you are getting and what will be covered. It’s important for people to fully understand all of the aspects of their health care and the coverage that they have for that care. Here is a list of the details about Medicare part B:
Part B is put in place to help you when it comes to covering the gaps from where Medicare part A leaves you with uncovered portions. Once you meet your deductions, part B will pick up and pay 80% of your covered services. You will be in charge of paying the other 20% yourself. However, the 80% paid by part B is paid on a “reasonable charge” rate; this can be lower than the actual charge. If the charge is more than the “reasonable rate” then you will be responsible for making up the difference out of your own pocket.
People that are receiving Social Security benefits for two years are automatically entitled to receive Medicare part B and will receive it automatically. Other people will have to enroll in the program on their own. This can be done during certain specified enrollment periods.
The one area where part A really comes in handy is when it comes to paying for doctors services. Also, such things as home health care, outpatient therapies, medical devices and equipment, tests, and more are covered. These can cost you a lot of money out of pocket, it’s a big help to have part B pick up some of these charges for you.
When it comes to getting help with your medical costs, part B will be a huge form of assistance to you. It actually covers a lot of procedures and equipment which would have otherwise put you in a financial hole. You will still want to make sure that you educate yourself on all of the things that are and are not covered by part B. It’s a good idea to have a print out available that you can always go to for a reference. This way you will know what is going to be covered, and what you will have to come up with out of pocket.
Part B actually helps out with quite a bit of medical services. From doctors services, to drugs, labs, ambulance services, prosthetic devices, surgical services, occupational therapy, psychologist services, vaccinations, pap screens, breast exams, cancer screening, diabetes screening, and physical therapy are just some of the things that will be covered under plan B. The list of covered items goes beyond what is named in this limited list. This is why you will want to make sure you have that print out handy so that you can refer to it.

Medicare Enrollment
If you are 65 years of age or older then you are eligible for a federally funded health care program which is called Medicare. Also, people younger than 65 who suffer from certain disabilities or illnesses can also be found eligible to receive Medicare. In order to receive Medicare, you will have to first enroll. The enrollment process can be tedious and a bit overwhelming. Here are the basics of Medicare enrollment:
A person who is approaching the age of 65 will want to make sure that they are familiar with the enrollment time period for Medicare. There is a seven month period which is considered to be a free enrollment period. This is also a good time for you to enroll because you will be able to sign up for the Medicare program that you would like. Once you are already receiving Medicare you will have to wait for specific periods in order to make certain changes. This is why it’s a good idea to do everything you can within this initial enrollment time. American Seniors can provide you with information to help you decide what Medicare Supplemental Insurance plan is available in your area.
If you miss out on that seven month enrollment period, you may end up spending more money. You will want to be aware that missing out on the initial enrollment period can cause you to have to pay higher rates on such programs as Medicare part A or part D. You may also find yourself paying more in the monthly fees if you decide to enroll in these programs later on. It’s always best to make sure that you enroll in all of the programs you are going to want at the same time, preferably during that seven month enrollment period.
If you are going to be turning 65 and you are already enrolled in certain programs, you won’t have to do anything in order to begin receiving Medicare. Some of these programs include Social Security, federal civil service pension benefits, railroad retirement, disability, or survivor’s benefits. If you are currently on one of these programs then the Social Security Administration will automatically enroll you into the Medicare Program. However, anyone not on one of these programs will have to take the initiative themselves and begin the enrollment process on their own accord.
In order to begin the enrollment process for Medicare, you will want to first call the Social Security Administration at 1-800-772-1213. When you have them on the phone you will be able to make sure that you qualify and ask them any and all questions that you have about the program. It may also be a good idea for you to request they send you any available literature so you can educate yourself on the various programs before you actually enroll.
Once you are ready to make your choices and proceed with the enrollment, you can call the same number listed above and begin your enrolment. Or, you can begin your enrollment on the website, which is This website also features a helpful eligibility tool. Once you determine you are in fact eligible then you will want to proceed with the enrollment.

Medicare Supplement Insurance
If you have Medicare, or you are going to be getting Medicare; then you already know that it won’t cover all of your medical expenses. This is why you want to make sure that you get yourself a good Medicare supplement insurance. By doing this you will know that you are taken care of when it comes to any health expenses which you may end up with. These Medicare supplement insurances are also referred to as “Medigap” insurance, this is because it helps to fill in those gaps of areas where your Medicare just won’t cover the costs. Medicare comes in two different components, there is part A and part B. Medicare supplement insurance can be used to cover the gaps in each plan.
Medicare part A is the part that deals mostly with hospital services and so on. There are a lot of things which Medicare may not cover and that they will not reimburse for. In Medicare part A some of the things that will not be covered may include:
* The hospital deductible.
* Hospital services which go past the specified period of time which is allotted under part A.
* Skilled nursing center services that go beyond the allowed period of time.
* Certain health and aide services when there is no longer a skilled care component

Medicare part B, which is also referred to as supplementary medical insurance, is the part that will cover such things as your doctor services, medical equipment, prescription drugs, ambulance services, and more. Here are some of the gaps that you may need to cover due to part B not covering them:

* Deductibles which must be paid for out of pocket before Medicare will pick up and begin paying toward your services or care.
* Coverage for foreign travel, this means that you won’t be covered while you are traveling out of the United States.
* Any balance which is billed for any and all of the services which Medicare will not cover at all, or in part.

When you have Medicare you will be covered for a lot of specific medical related care, medications, treatments, and therapies once you have met your deductible. However, it is very important that you do take in to consideration that there are a lot of items which will not be covered, or fully covered. You want to look into getting yourself some good supplemental insurance so you know you will be taken care of in case you require a lot of care which will end up costing quite a bit of money. The Medicare supplemental insurance, also known as medigap, will end up helping you to save a lot of money that you would have had to come up with out of your own pocket. There are different Medicare supplemental insurances which are available for you to choose from. You will want to take the time to research the available ones so you make the decision which is right for you are your situation. American Seniors is Licesned with many Insurance Companies, to find the best choice of Plans, and the best price.

Many of the senior citizens these days live on a fixed income. This could be from Social Security or retirement funds. Either way they are finding that life after working is not easy and only gets harder. The problems really arise when unexpected medical expenses show up and your Medicare does not cover them. This is where Medicare supplement insurance really comes in handy. But there is no reason for you to worry, there are many different companies offering supplement insurance and the rates are very competitive.
There are 12 different Medicare Supplement Insurance plans all designed by the government. The best thing to do is start out by reviewing each medicare supplement plan alos known as a medigap plan and getting to know what they offer. American Seniors will help make sure that the medicare supplement plan you choose will cover all your expenses not covered by Medicare. When you find the supplemental plan that fills in the gaps it becomes times to find the company that will offer you the best rate.
Finding the right Medicare Supplement Insurance Company does not have to be difficult. All the information that you will need is right at your finger tips. The Internet is full of useful information and by doing a simple internet search you will be able to find many different companies that offer Medicare Supplement Insurance. American Seniors will help walk you through this, and answer your questions. Now you can start comparing rates. Remember you do not need to buy more than you need. Just pay for the medicare supplemental insurance plan that fills in all the gaps and go with the company that has the best history and offers you the best rate. American Seniors is at your service.

Medicare Supplement Insurance Carriers
When you have Medicare there will be gaps in your coverage. What this means is that there will be some things which just will not be covered by Medicare. You will also have your own co-payments and deductibles. These are expenses which you will have to pay for out of your pocket. Depending on the situation, these can end up being expenses that you will have a hard time paying for. This is why it is always a good idea for you to make sure that you have a supplemental insurance carrier. This way, the supplemental carrier will kick in and help out with those costs that you would normally have to take on yourself. There are actually quite a few Medicare supplement carriers out there; here is a list of some of them: Feel free to contact American Seniors, to go over all the Medicare supplement Insurance Medigap plans and carriers in your area., or to just answer a question.
Anthem: Anthem has a Medicare supplement insurance plan. You can call them directly for answers to any questions you have about the plan, or they will come to your home. This is nice for anyone that isn’t able to travel, but would like to speak to someone in person about their plans.
Blue Cross Blue Shield: Blue Shield offers their own Medicare supplement insurance and you can get more information on the various types by calling American Seniors. You can also apply directly on the website for your convenience.
Assured Life sells Medicare Supplement Insurance plans, offered in most States, and great prices.
Mutual of Omaha: Mutual of Omaha, United of Omaha is another company which offers Medicare supplement insurance for those looking to fill the gaps left by Medicare. You can find out more about Mutual of Omaha , and the available plans by calling , or by requesting more information though American Seniors. Mutual of Omaha has great prices on most Plans, including Plan F. American Seniors can answer any questions you might have about the plan different Medicare Supplement Insurance Plans offered by Mutual of Omaha Insurance Company.
Aetna: Aetna also offers Medicare supplement insurance Medigap plans that will help a Medicare recipient to offset those costs they would normally take on themselves. Aetna also offers great rates for Medicare Part D Drug Plans, you will be able to read a whole lot of information regarding everything that they have to offer you. Call American Seniors for more Information
Family Life Insurance offers great rates on Medicare Supplement Insurance, their Home Offices in Houston Texas
New Era Insurance had great rates for Medicare Supplemental Insurance Plans, also known as a medigap plan,, including Plan G in many States, with their Home office is in Houston Texas
Humana: Humana offers Medicare Supplement Plans , Medicare Advantage Plans, and Medicare Part D Drug Plans, throughout the United States.

When you are looking for a good Medicare supplement insurance plan, you will want to take your time and not rush into deciding on a particular plan without doing your research. There are a lot of things you will want to think about before you choose. This is a competitive market and this means that the rates will vary. You should make sure you consider the rate you will be paying; it should be something that fits into your budget so you know you will be able to keep up with it. You also want to go over the coverage’s and stipulations. The point of getting the plan is to cover those gaps left by your Medicare. If you aren’t filling those gaps with the supplemental insurance you choose, then you are wasting your money.

Medicare Advantage Part C
Learning all about Medicare can be a bit overwhelming. There are a lot of different parts that you will want to research and gain knowledge about. Along with learning about part A and B, you will also want to learn about part C. This is often referred to as Medicare Advantage. Part C is a private insurance plan which will replace part A and B. When you enroll in Medicare part C, you will be dis-enrolled from both part A and B. Since part C plans are still regulated by the United States Federal Government, it will still offer you at least the same amount of coverage you would receive if you where still on A or B.
Part C will help to get rid of some of those co-payments and deductibles much in the same way that a supplemental insurance would. Another good thing about Part C is that you won’t have a need for a Medicare supplemental insurance plan to go along with it. You need to realize that Part C can vary and it is important that you educate yourself on the particular Plan C which you will be enrolling for so you will know the ins and outs of your plan.
There are quite a few reasons why you should look into Medicare part C. One reason for considering part c is due to the fact that it provides you with a broader coverage than part A and B; it’s always a good thing to get as much coverage as you possibly can when it comes to your health. When it comes to combining the benefits of Medicare part A and B, Medicare part C does a pretty good job. The out of pocket costs that you will have to endure will be lower when you have Part C than it would be with Part A and B.
There are also some disadvantages to consider when you are thinking about enrolling in Medicare part C. These disadvantages include being required to see doctors that are included in the part C network. This means that if you choose to go to a doctor not included in the network, you will need to pay those costs out of your own pocket. If you are happy with the doctor you currently have and that doctor is not one of the approved doctors on plan C, you may not want to enroll in part C.
Another disadvantage to Medicare part C is that it is generally limited to the specific region that you will be covered in. This means that a person who spends a lot of time traveling will find that they can’t use their plan in a lot of the areas they spend time in.
There is one more major concern when it comes to Medicare part C. This concern many face is that you will run the risk of being dropped from part C and finding yourself without any coverage if part C coverage ends up being dropped from your region. American Seniors is not a fan of most Medicare Advantage Plans as being the first choice, but they do fit needs, and budgets, especially if your Doctor excepts the plan.

American Seniors has been helping Seniors with their Insurance needs since 1992, and is always here for you, if to only answer your questions, or to help you find the best Medicare supplement Insurance plan. Feel free to contact American Seniors anytime at 1-877-366-6308, or you can email American Seniors at

Medicare supplement insurance- know all about it

Medicare supplement insurance and Medigap insurance are usually confused amongst each other. You need to clear this confusion so that you can use these facilities for yourself in the future. Medicare insurance is when the government insures the people above sixty five years of age for their disability, their age or some other disease that generally accompanies you to them in their old age or otherwise too. Medicare supplement insurance comes into play when this medical insurance provided by the government falls short of payments and services to provide the policy user. In this way the insufficiency of the policy is completed by another supplementary policy. Thus you see that this can actually be advantageous for you.

You should also secure your future like your peers or other acquaintances. It also supports you if you have been disabled for more than twenty four months. Then you can easily apply for this and get help regarding your disability. It does become difficult for you to support yourself and then the family’s pressure also added how to handle all of it. With this Medicare supplement insurance you can at least be carefree about your medical expenses. Although it does not cover all the medical expenses but most of them are covered by it and definitely something is better than nothing.

Since Medicare supplement insurance is provided by the government it has lower rates and offers special quotes to their customers. But you should also be aware of the changes that take place constantly in the policies of the Medicare supplement insurance. They might be good or even bad. Generally they are changed for the positive impact only. Most importantly you can apply for this form online or even in paper, anything that would be convenient enough for you. The terms and conditions are simple as is the format of the form. To secure Medicare supplement insurance, you might need to get a broker, and that would be something that is suggested to you because that way you will get the best quotes and also stay free of any hassles regarding your existing policy.

Medicare is surely advantageous but then some more things have to be considered which are very important. These would include the policy coverage, the price quotes- which one is lower and available with more facilities, the duration of the policy. And while applying for the Medicare supplement insurance make sure that you answer all the questions while filling the form truly, especially the medical ones. If you do not do this then in the future when certain checks are carried out, you might be caught as a fraud. To get the best Medicare supplement insurance don’t only rely on what others suggest, also do some research work on your own, like from the net and search engines, get references from your acquaintances. Compare and review the companies and other offers and then shortlist them. Apply to all the shortlisted companies and then when the company confirms you, then you can make your final selection of the Medicare supplement insurance.

Medicare Supplement Insurance: A divine boon

Before we begin the analysis of how Medicare supplement insurance is a boon, it is very important to first know what it is. The health care insurance covering the services that are not covered under the government’s basic Medicare plan is what Medicare supplement insurance covers. It is commonly known as Medigap. Basically, a Medicare contains of two sections: Gap A and Gap B. Gap A includes those services that are covered under the basics. Gap B includes the ones that require you to pay from a personally maintained private insurance plan.

For example, let us consider you have an illness that requires you to use the in patient hospital services. Now, if you spend more than 150 days in that hospital, Medicare will refuse to pay beyond it. If you use inpatientskilled nursing facility, the limit is 100 days. Again let us consider, you fall sick and need to call the ambulance. Now, if you think that the government is going to pay for this outpatient service, I will suggest you might as well give the idea of ambulance a miss. Now you will say how is it possible? You can’t let yourself die just because you don’t have immediate money. To solve clogging problems like this we have the Medicare supplement insurance.

When you know that the urgency and proportion of an illness is such that you cannot expect Medicare to cover it all nor can you afford a treatment from your pocket, you might feel lost. However, remember anything that is planned, is safe. If you have another health insurance policy covering you or your family, then in times of need like this, you will have full confidence to pull it through. Medicare supplement insurance is undoubtedly a boon over here. It saves you from unnecessary harassment. Neither do you have to sell off your properties, nor take costly loans. It is your money that will save you, only in the form of a planned health insurance provided by a private company. Ever heard of medical bankruptcy? Well, consider yourself rescued from that horror.

There have been many cases of medical bankruptcy in the past. Most of them are due to lack of planning and the bad habit of “will do it tomorrow”. That tomorrow never comes is a known truth. But misfortune may come any day. So why not follow a better policy of “prevention is better than cure”?

For those of you, who still haven’t got a Medicare supplement insurance or still confused about it, wake up! What are you waiting for? Do you want to sell off your favorite beautiful luxurious car when malady strikes? No? Then run to a private firm and get yourself insured NOW!!! It’s high time you become responsible and plan for a secured future. Transferring medical expenditures to your credit cards won’t keep you safe every time. Sometime it will boomerang. Then what? Declare yourself to be bankrupt? Wow… that would be some glory. Stop being a procrastinator and act NOW. Give yourself the chance to be blessed with this boon.