What is Medicare?

Medicare is a federal health insurance program that pays for a variety of health care expenses. The Centers administer it for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS).

Medicare benefits people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

Similar to Social Security, Medicare is an entitlement program.
Most U.S. citizens earn the right to enroll in Medicare by working and paying their taxes for a minimum required period. Even if you didn’t work long enough to be entitled to Medicare benefits, you might still be eligible to enroll, but you might have to pay more.

There are four (4) main parts under Medicare:

Medicare Part A or Hospital Insurance (HI) helps pay for hospital stays, which includes meals, supplies, testing, and a semi-private room. This part also pays for home health care such as physical, occupational, and speech therapy that is provided on a part-time basis and deemed medically necessary.

Care in a skilled nursing facility as well as certain medical equipment for the aged and disabled such as walkers and wheelchairs are also covered by Part A.

Part A is generally available without having to pay a monthly premium since payroll taxes are used to cover these costs.

Medicare Part B or Medical Insurance (MI) helps pay for doctors’ services, outpatient care, medical supplies, and preventive services.
For example, Medicare Part B covers:

  • Durable medical equipment (canes, walkers, wheelchairs, etc.)
  • Physician and nursing services
  • X-rays, laboratory and diagnostic tests
  • Certain vaccinations
  • Blood transfusions
  • Renal dialysis
  • Outpatient hospital procedures
  • Some ambulance transportation
  • Immunosuppressive drugs after organ transplants
  • Chemotherapy
  • Certain hormonal treatments
  • Prosthetic devices and eyeglasses

You pay a monthly premium for this part of Original Medicare. The fee can be higher for people with high incomes. A different government program, Medicaid, can help cover Medicare Part B premiums for low-income beneficiaries.

Part B beneficiaries are usually responsible for a portion of their health care costs. You’ll have to pay a deductible each year before your Medicare Part B benefits kick in, and then you’ll generally pay 20% of the bill when you go to a participating Medicare doctor. Medicare pays the full cost of many lab tests and services requested by your doctor.

A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.

If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Medicare Part D is an optional coverage. This part adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans.

These plans are offered by insurance companies and other private companies approved by Medicare. You will share in the costs of your prescription drugs according to the specific plan in which you’re enrolled. Those costs can include a deductible, a flat copayment amount, or a percentage of the full drug cost (called “coinsurance”).

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With over 21 years of experience in the insurance industry, we are very proud to help our clients in our community with the right coverage for them.

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407. 930. 6583

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1. 844. 556. 8483

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Shopping Center Deerfield Plaza,
12720 South Orange Blossom Trail,
Suite 16, Orlando, FL 32837

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(321) 295-9198

Facebook Posts

13 hours ago

Client Care Insurance LLC

1- Shop smart. When looking for insurance, your No. 1 priority should be to find adequate coverage.

2- Look for discounts. Once you evaluate your coverage needs, factor in your budget and find ways to save.

3- Fill in the gaps. An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs.

4- Purchase life insurance—you aren’t too young. Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy

5- Talk to an independent agent. An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time.

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3 days ago

Client Care Insurance LLC

Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that #martinlutherkingjr 🙏


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6 days ago

Client Care Insurance LLC

HOW TO TELL IF YOU NEED NEW TIRES?

With this easy test, a penny can buy you peace of mind when it comes to your tires and safety.

Place a penny head first into several tread grooves across the tire. If you always see the top of Lincoln’s head, your treads are shallow and worn. If this is the case, your tires need to be replaced.

If part of Lincoln’s head is always covered by the tread, you have more than 2/32 of an inch of tread depth remaining. This means you probably don’t need new tires.


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1 week ago

Client Care Insurance LLC

Paycheck Protection Program 🤝⠀

KEY TAKEAWAYS⠀

A third round of Paycheck Protection Program (PPP) loans was authorized by the passage of H.R. 133: Consolidated Appropriations Act, 2021 into law Dec. 27, 2020.⠀

First-time PPP loans are available for the lesser of $10 million or 2.5 times your average monthly payroll.⠀

Second-draw loans up to $2 million are available for businesses that have used funds in their Round 1 or Round 2 loan.⠀

100% of your loan could be forgiven if you follow guidelines.⠀


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1 week ago

Client Care Insurance LLC

Paycheck Protection Program 🤝⠀

- An SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.⠀

- Notice: Paycheck Protection Program resumes January 11, 2021 at 9am ET⠀

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