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Social Security Medicare Benefits

Medicare is a health care program that helps people that are 65 years old or older, as well as younger people with disabilities with their medical bills. Medicare acts as a type of insurance. However there are many different aspects and provisions to Social Security Medicare. As a person gets older in age often the question of when the age for Medicare benefits is and how to apply for Medicare benefits. Applying for Medicare benefits or knowing who gets Medicare benefits can be confusing and many questions may arise. Read below where Experts have answered a few Medicare Benefit questions.

What is Medicare Benefits?

Medicare is a federal backed insurance policy for ailing seniors that covers most at 65 years old and over. Medicare also provides funds for handicapped/disabled or people that have Ends Stage Renal Disease younger than 65 years old. There are four parts to Medicare, Medicare A, B, C, D. Medicare beneficiaries that are covered under Medicare Part A usually are premium free and; is used for inpatient hospital care, long term nursing facilities, hospice and small levels of home health care.

Medicare Part B is usually premium based and will pay for doctor visits, outpatient hospital care and other care that Part A does not cover.

Medicare Part C – is a type of co-insurance that rides on the backs of HMO’s and PPO’s that offer health insurance to Medicare eligible beneficiaries. Part C plans limit the patient’s choice of doctors and hospitals and are locked in to only members of the preferred healthcare network.

Medicare Part D- is prescription drug benefits through other insurance providers.

How does a person freeze Medicare insurance in order to list a private insurance as a primary insurance

Medicare was established for people that are the ages of 65 and older regardless of having a secondary insurance. A person can’t freeze Medicare benefits at all. It is possible however to contact Medicare and notify them that the secondary insurance policy that is current should be listed as the primary insurance and the Medicare listed as a secondary. However, even doing this will not stop Medicare premiums from having to be paid monthly.

If someone has been married for 13 years, can the spouse draw off of the other spouses Medicare benefits if they retired early at 62? Will the living spouse be able to claim the deceased spouses Medicare benefits if he passes away

Despite a spouse’s retirement age when reaching the age of 65 one is eligible for Medicare. If the spouse passes away, the living spouse will automatically qualify for 100% of the deceased Medicare benefits.

Does a person need to apply for Medicare before turning 65, or should they wait until there is no more no health insurance through the job?

The person should apply to receive their Medicare benefits three months before they reach the age of 65.

If a person turns 64 years old. When is Medicare benefits available?

The person will be able to receive Medicare if that person or their spouse served at least 10 years in a workforce that was covered by Medicare. Also, the person has to be 65 years of age and be a legal citizen in the United States of America. If the age of 65 hasn’t been reached but, if the person has some type of disability or end stage renal disease then they could qualify in some situations.

Having the right information about social security Medicare benefits can help individuals deal with difficult situations and make the right decisions. Ask Experts about social security Medicare benefits and other related topics.
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