How will Medicare work for me?

James Zakasky
An estate attorney who goes beyond drafting wills and creating trusts

How will Medicare work for me?

Eligibility

Medicare is the Federal Medical insurance plan that covers US Citizens and Residents that are age 65. If you are eligible for Social Security or Railroad Board benefits or if you are receiving benefits from either than you meet the standards for Medicare. If you are under 65 and you are receiving disability payments, you may also be eligible for Medicare. If you have ALS Lou Gehrig’s Disease you are eligible for Medicare.  If you have End Stage Renal Disease you are eligible for Medicare part A.

What does Medicare Cover?

Part A Medicare

Medicare part A covers Hospital Stays. This includes inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, and home health care. Please be aware that there are limits for the amount of days that you may stay at the hospital depending on the facility and the treatment. Home Health Care is NOT 24/7 care assistance it is extremely limited.

Part B Medicare

Medicare part B is the overall medical health insurance that includes doctor and other health care providers' services, outpatient care, durable medical equipment, home health care, and some preventive services. Services can be very limited depending on provider and treatment plan.

What Medicare Parts A and B does not cover?

  • Long Term Care
  • Most dental care
  • Eye examinations related to prescribing glasses
  • Dentures
  • Cosmetic surgery  
  • Acupuncture  
  • Hearing aids and exams for fitting them
  • Routine foot care

    Medicare Part C

    Supplemental insurance for an additional premium that gives limited coverage.

    Medicare Part D

    Prescription Drug Coverage

    For more information:

         www.medicare.gov