Www.GoLong.com – Go Long AARP Medicare Supplement Insurance Guide
At the Go Long AARP Medicare Supplement Insurance Guide website at www.golong.com, you will be able to get more information on the different Medicare plans. If you are 65 or older, than Medicare is the health insurance program for you. You usually pay into this program through social security. So you would most probably have paid into it. To find out if you are eligible for Medicare, you have to fall into one of three categories. The first is if you are going to be 65. The second category is if you are older than 65. The third category is if you are under 65 but you have a disability. I have summarized the details of each category below.
For the first category, if you are going to be 65, you can enroll in Medicare three months before your birthday. You can also do so 3 months after your birthday. However, you must have worked in employment that is covered by Medicare for at least 10 years. You must also be a U.S. Citizen or a permanent resident for 5 years at least. You can also join if you are not getting Social Security yet. For the second category, you can be covered by this program if you or your spouse are over 65 and have worked in employment that is covered by Medicare for 10 years at least. Again you must be a U. S. citizen or a permanent resident for 5 years at least. Like the first category you do not have to be getting Social Security in order to join this program. For the third category the only criteria are for you to be a U.S. Citizen or a permanent resident for 5 years at least and that you have a disability. You can also be covered if you have end-stage renal disease. You should find out about the requirements that you must meet if you have this at the site.
Now some of you may be asking what Medicare Parts A and B mean. Basically Part A is for hospital coverage. This includes inpatient stays at the hospital. It also includes hospice care and also respite care. Medicare Part B on the other hand refers to Medical Coverage. This includes your visits to the doctor. It also includes outpatient care. If there are services that you received that are not covered by Medicare Plan A, then Medicare Plan B will cover it. There are also some home health care services that are covered. However you will need to check though as it is covered only in some cases.
So what do the Medicare Plans A and B cover? I think they cover the majority of the fees if you were hospitalized. You will get about 80% of your expenses paid for Medicare Part B. However, this is only after your annual deductible has been yet. You will have to find out what your annual deductible is. It can be $500. It can be $1000. So make sure you find out what that is. So this will mean that you will pay whatever is not covered.
You must not forget Medicare Part C. Now this is the Medicare Advantage plans. I had never heard about this until a few years ago. This is a medical health insurance plan that is covered by private insurers but are approved by Medicare. This plan is a combination of hospitals stays, doctors visits, and even Part D prescription drug coverage. There may also be vision plans, dental plans and other programs like hearing. These are added without any extra charges to you.
Medicare Part D is of course your prescription drug coverage. You can buy this separately if you have plans A or B or both. These are usually provided by private companies and different plans have different payments. Then there are the Medicare Supplement Insurance Plans that you should also find out more about online at the website.
You can go to the Go Long AARP Medicare Supplement Insurance Guide website at www.golong.com to get a lot of information on AARP Medicare. There is a disclaimer on the website however that tells you that AARP does not endorse agents or brokers or producers. Nor do they employ them. You also need to be aware that this is not connected to the federal Medicare program. You also need to be aware that you are being asked to purchase insurance and that an insurance agent or producer can contact you for that purposed. You can also call them to get information on the benefits of the program and the limitations. You can also find out about how much the insurance will cost you and what the eligibility requirements are.
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