Medicare: Navigating the System When You’re a Senior (65+)
As the risk of developing medical illnesses and diseases increases, so does the need for quality health insurance. If you’re 65 years of age or older, then it’s time to reconsider the types of available healthcare plans. Consider this overview on how to navigate through the Medicare system once you are a senior:
What is Medicare?
Medicare refers to a United States government health insurance program available to individuals age 65 and older or to younger individuals who are suffering from certain medical conditions or disabilities. Medicare services are paid for by the nation’s taxpayers, while the premiums are deducted from Social Security checks. However, it is important to remember that while Medicare coverage can help to cover the cost of healthcare, individuals are still financially responsible for coinsurance, deductibles, and copayments.
Types of Medicare
Medicare coverage can be broken down into four basic parts:
- Part A includes hospital insurance for inpatient care, skilled nursing facilities following hospital stays, and some hospice and home healthcare services.
- Part B provides medical insurance for doctors’ visits and medical services and supplies that may not be covered under part A. This insurance requires the insured to pay a monthly premium.
- Part C, also known as the Medicare Advantage Plan, offers extra benefits than part A and B for a monthly premium.
- Part D allows access to prescription medication coverage for a monthly premium.
Medicare also provides coverage for a number of preventive services to help diagnose potential health problems while they are still easily treatable. This includes:
- Cardiovascular screenings.
- Examinations for cervical, vaginal, colorectal, prostate, and breast cancer.
- Vaccinations for the flu, hepatitis B, and pneumonia.
- Screenings for diabetes.
- Glaucoma testing.
- Bone mass measurements.
Medicare also offers supplemental health policies known as Medigap plans to help cover any expenses not met by Plans A-D.
If you’re interested in more information on how your Medicare coverage can help you gain access to valuable services offered at MountainView Hospital & Medical Center of Las Vegas , then contact us online or give us a call at (877) 216-5587 today!