Medicare Professional

Understanding Medicare can be confusing at times, but Reformed Financial Group is here to walk you through the winding maze. We want you to be an educated consumer so that you can make the absolute best decisions regarding your health care.

What is Medicare

In order to understand what Medicare is we need to go back to the year 1965, when Congress enacted Medicare under Title XVIII of the Social Security Act.

The Medicare program was aligned to provide health insurance to people age 65 and older, regardless of income or medical history. It was created in response to an overwhelming dilemma where people over the age of 65 found it virtually impossible to get private health insurance coverage. The solution proved successful when more Americans improved their own health and enjoyed longer longevity.

After its initial inception, Medicare has changed in many ways and changes continue on into the future as well. From the different Medicare Parts, to the inner workings of the types of plans that correspond with Medicare, Reformed Financial Group will smooth out the twists and turns of the ever evolving Medicare maze.

Medicare Coverages & Costs

There are four basic parts of Medicare: A, B, C and D. Each part helps to pay for certain health care services. Each part also has certain costs that you may have to pay. Your Medicare costs will depend on what coverage you choose and on what health care services you use.

Medicare Eligibility

Medicare is available to United States citizens and legal residents who have lived in the United States for at least 5 years in a row. Medicare is individual insurance. It doesn’t cover spouses or dependents. You may become eligible to receive Medicare benefits based on any one of the following.

Medicare Enrollment Periods

Medicare has specific enrollment periods when you can sign up. Each has a particular purpose. Most people sign up during their Initial Enrollment Period, but it’s good to know about all the time periods and what they’re for.

What Medicare Doesn't Cover

Original Medicare (Parts A and B) covers many medical and hospital services, but it doesn’t cover everything. Many people are surprised to learn that prescription drugs aren’t covered. You can buy drug coverage through Medicare Part D, but it’s not provided by Part A or Part B.

Here are some other services that are not covered by Original Medicare:

  1. Dental exams, most dental care or dentures
  2. Routine eye exams, eyeglasses or contacts
  3. Hearing aids or related exams or services
  4. Most care while traveling outside the United States
  5. Help with bathing, dressing, eating, etc. (custodial care)
  6. Comfort items such as a hospital phone, TV or private room
  7. Long-term care
  8. Cosmetic surgery
  9. Most chiropractic services
  10. Acupuncture or other alternative treatments
  11. Routine foot care

You may have to pay for these services yourself unless you have other insurance that covers them. Some Medicare Advantage (Part C) plans may help with certain services not covered by Original Medicare.

To learn more, get a quote or to visit our online medicare enrollment please visit my Medicare Website

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