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Understanding Medicare insurance

The U.S. government runs the Medicare program which takes care of elderly people as well as people with disabilities. Those who cannot afford to pay their medical bills are the ones who benefit the most from a program like Medicare. The payment for the program is made by contributions you make through social security. Contributions made by your spouse also make you eligible for the Medicare program. Information about the program may be obtained at your closest local Social Security office.

The program is divided into two main parts; Part A and Part B. Part A is hospital insurance, which is available for all people over sixty-five who have a work record. The work record of your spouse also makes you eligible. Those who do not qualify may enroll by paying a monthly fee. Since Part A coverage is hospital insurance, it covers most expenses that occur for a benefit period during which the patient stays at the hospital. The benefit period may last for up to sixty days, but you must pay a deductible before Medicare takes care of all expenses.

The Part B medical insurance is available for all people who have been lawful residents of the U.S. for five consecutive years. You must pay a monthly premium to enroll for Part B medical insurance. The Part B insurance covers all the basic medical facilities that might be required by an individual; for example clinics, medicine and laboratories. But you might want to consider the fact that Medicare does not pay your entire bill. It only pays for a fraction of your medical bills, and you will have to take care of the rest.

It is best to arrange your medical treatments according to these plans, to make sure you get the most benefit. The complexities that lie within the Medicare eligibility and enrollment are difficult to understand, which is why it is advisable to involve an experienced health care attorney.

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