Delaware Medicare is health insurance program which covers mostly your health care costs run by Federal government.
Original Medicare makes the payment for visit to any hospital, clinic or health care provider accepting Medicare services.
Original Medicare is the first Medicare you get when you get Medicare services.
According to your demands you can then get other Medicare Insurance Supplements (Medigaps) or Medicare Advantage plans (Part C) or Medicare Prescription Drugs Coverage (Part D).
These additional health insurance services can be availed at the time you start Medicare services (Part A & Part B).
Know your eligibility?
1)?? You must be citizen of Delaware of age 65 or above
2)?? Young people below 65 are eligible if they are suffering from disabilities
3)?? Any age people suffering from End Stage Renal Disease (Permanent kidney failure).
Parts of Medicare
Original Medicare consists of Part A and Part B
Original Medicare and the Medicare Advantage Plan are the two ways to get the Medicare coverage
What is its cost?
Medicare Part A is premium free health care insurance to all those people of age 65 or above already receiving Social security benefits. When you attain 65 years of age you automatically get Medicare Part A and Part B services.
Medicare Part B can be joined by paying monthly premiums. The premium for Part B may be standard for every month. Social security will inform you if you have to pay excess amount than the monthly standard premium.
When to enroll?
Initial enrollment period
You can avail the enrollment for Part B anytime in seven month period. This seven month period starts three months before you are 65 and ends three months after the month you complete 65 years of age.
|Before 65 years 3 months||By signing in this period you can get benefits or coverage of Medicare Part B from your month in which you turn 65|
|Before 65 years 2 months|
|Before 65 years 1 month|
|Month in which you complete 65 years||By signing in this month your Part B start date will be delayed|
|After 65 years 1 month||By signing in months after you turn 65,your date to get Part B benefits will be delayed|
|After 65 years 2 months|
|After 65 years 3 months|
General Enrollment Period
If the initial enrollment period is over and you did not enroll for Medicare Part A and /or Medicare Part B, you can enroll from January 1-March 31 each year.
But you will have to pay higher premium for delayed enrollment.
What does Part A (Hospital Insurance) cover?
- Skilled Nursing Facility Care
- Home Health Care
- Hospice Care
What does Part B (Medical Insurance) cover?
- Doctors Services
- Outpatient Hospital and Emergency room
- Home Health care
- Durable medical equipments
- Clinical Laboratory
What is not covered in Medicare?
I.??? Long term care
II.??? Routine Dental care
III.??? Cosmetic surgery
VI.??? Hearing aids
What you pay?
You pay for Copayments, coinsurance and deductibles which may apply on each of the above services. More information on medicare America visit medicareamerica.com