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I am 65 worked for a city that didn't pay into medicare Where can I get medical insurance after 65 without medicare?
Wiki User
∙ 15y ago
Finding a health insurance company to cover you on a new plan after age 65 may be a challenge. If you can't find a company to cover you with an individual plan, you can still get Medicare. Here are some facts to consider: * You usually don't pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working. * If you aren't eligible for premium-free Part A, you may be able to buy Part A if you meet the citizenship or residency requirements and you are age 65 or older or you are under age 65, disabled, and your premium-free Part A coverage ended because you returned to work. * Note: The 2009 premium amount for people who buy Part A is up to $443 each month. You can see the entire Medicare and You 2009 book here: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf Also, check your Medicare eligibility here: http://www.medicare.gov/MedicareEligibility/home.asp?version=default&browser=IE%7C7%7CWindows+Vista&language=English
Wiki User
∙ 15y ago
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What is Medicare tax used for?
The Medicare tax that is deducted from your paycheck pays for your Medicare Part A insurance, so that you'll be able to use it when you turn 65. Medicare Part A is the hospitaliztion portion of Medicare. Once you turn 65, you'll pay for Medicare Part B that will be automatically deducted from your Social Security check. For 2009, that amount is $96.40/month if you make less than $85000.00 per year. Medicare Part B is the medical/doctor's office portion of your Medicare.
Do you need to go on Medicare at age 65?
After 24 months on Social Security Disability you are eligible for medicare. Actually, at the age of 38 a member of my family who worked for nearly 20 years prior to a permanent medical disablity then became a recipient of Social Security Disability income and was on Medicare within a month. There was no 2 year wait. If a person has not worked enough hours and receives SSI (Supplemental Security Income) they qualify for Medicaid instead of Medicare.
What you Should Know About Medicare Health Insurance?
Over 40 million Americans are covered by Medicare, the largest health insurance in the US. If you are 65 years and older or if you are younger with certain disabilities, you may be eligible for Medicare health insurance. However, if you have end stage renal disease which involves permanent kidney failure and require a kidney transplant or dialysis treatment, you may qualify for health insurance covered by Medicare, regardless of your age. The Medicare health plan covers two main areas, Hospital Insurance which is Part A and Medical Insurance, known as Part B. Both Medicare Parts are referred to as the Original Medicare Insurance and while most people who worked and contributed to Medicare taxes do not pay for Part A, the majority of persons covered by Medicare pay a monthly fee for the Part B. Hospital Insurance helps to provide coverage for part-time skilled nursing facilities, hospice and home health care services. Hospital inpatient care is also included, which involves hospitals that provide long-term care, critical access and rehabilitation facilities. Medical Insurance helps with the coverage for outpatient care and treatment by doctors as well as some preventative services. Once the services are covered by Medicare, Part B will pay 80% of the approved amount. Other health insurance programs covered by Medicare are managed by Medicare approved private companies. They are Part C, also called Medicare Advantage and Part D, which is Medicare Prescription Drug Coverage. Both of these plans include Parts A and B along with other benefits and for Part C, payment of a monthly premium is required. As a Medicare beneficiary, you have two choices of how you can get the senior health insurance. One method is to start with Part A and B (Original Medicare) and add Part D (Prescription Drug Coverage) as well as a Supplemental Coverage such as Medigap. The other choice is to start with Medicare Advantage (Part C) and then add the Prescription Drug Coverage (Part D). However, you would not be able to add a Supplemental Insurance with this latter choice. If you need clarification or information about Medicare health insurance, contact the Social Security Administration or the medicare.gov website.
Need info about medicare will turn 65 in Nov would like to still keep the same ins plus medicare?
I had retired from my employer before 65. I continued the retirees' group health insurance. When I turned 65, my employer required me to take Medicare as my primary insurance. I could stay with the group, but it would "coordinate" benefits with Medicare. My experiences with my providers have changed. Before Medicare, my providers would bill my insurance and take their payment. I would pay the deductible and co-insurance. With Medicare, my providers will bill Medicare but not accept their payments. So, Medicare sends me these silly paper checks (they will not use electronic deposits). The provider can bill 115% of the Medicare approved amount. My group plan then pays based on the 115% amount (less any deductible and co-insurance). They also send to me their silly paper checks. (All that happened is that I turned 65 - now I get silly checks and a bookkeeping nightmare). I take the paper checks to the bank and then pay my providers electronically. One time I had services from a provider that participated with Medicare. Medicare paid (I got their paper MSN after about four months). My group plan paid. The provider asked me to pay the balance. Worked pretty smooth - except the provider charged me for items I did not receive. They said since Medicare paid them based on a "DRG" (a payment scheme based on the primary services delivered - without worrying about cost), they could not rebill and it would not make any difference if they could. Again, before I turned 65, it was easy to point out an error to my group insurance and it got fixed quickly. Medicare takes a long time to even understand the question. So, ask your employer or insurance company how they work with Medicare. Then, hope that you can keep them as the primary payer. Also, if you have to go with Medicare, let's hope that your providers accept Medicare.
Who do medical insurance companies answer to?
I know from my 20+ years of medical billing, in my state of Georgia, we have the Georgia Insurance Commissioner. I'm certain all other states do as well. I have found all insurance companies are subject to rules and regulations of this office accept state aid insurance and medicare and insurance provided for active military. I have called on my patients behalf and have referred patients to call also. This is an elected office and I have been fortunate to have worked with the same elected commissioner for 15 of 20 years. I have witnessed land slide cases against some of the larger insurance companies as a result of complaints from consumers and medical personnel. I have such a passion for what I do because so many consumers will accept payment denials of their claims because they believe they have no recourse. PLEASE don't be afraid to question any decision made by your medical insurance company.
How can you get Medicare if you are collecting unemployment?
for medicare eligibility you need to be 65 or disabled, us citizen,worked at least 40 quaters
Who is eligible for Medicare?
how old do you have to be for medicare coverage?
When does Medicare become the primary insurance?
Medicare is only secondary to your group coverage if you work for a company with 20 or more employees (could be a combination of part-time and full-time, based on total number of hours per year) and you worked 20 weeks or more, in the current or preceding year. They do not have to be consecutive weeks. If you work less than 20 weeks or your employer employs less than 20 employees, or both, your medicare coverage is your primary insurance coverage. Primary status of group benefits takes place as soon as the employment and work week criteria are met. It will be primary for at least the rest of the current calendar year and all of the following year. Primary status for medicare takes place on January 1st of the following year after an employer employs less than 20 employees or you work less than 20 weeks in that year. Medicare remains primary until employment or work week criteria meet levels to make group benefits primary.
How does UMWA Health and Retirement Funds Medicare Replacement plan cover outpatient services?
My husband died 11 years ago from cancer. He had worked in the coal mines for 9 years. Am I eligible for medical and prescription coverage?
What does an eligible individual have to do to receive medicare part b?
Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if: You are receiving retirement benefits from Social Security or the Railroad Retirement Board. You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them. You or your spouse had Medicare-covered government employment. If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A. If you are under age 65, you can get Part A without having to pay premiums if: You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months. (Note: If you have Lou Gehrig's disease, your Medicare benefits begin the first month you get disability benefits.) You are a kidney dialysis or kidney transplant patient. While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.
What does the b in Medicare number mean?
It usually means that the person did not qualify for Medicare benefits themselves by paying into the system for 40 quarters. Ex. Wife stayed home raising kids, and her husband worked for years. When she turns 65, she will qualify under her husband, and her medicare ID # will be her husband's social security # with the letter B following. The husband will have his social# with the letter A following.
If you qualify for Social Security which Medicare benefit do you get for free?
Hospital insurance (Part A)Most people age 65 or older who are citizens or permanent residents of the United States are eligible for free Medicare hospital insurance (Part A). You are eligible at age 65 if:You receive or are eligible to receive Social Security benefits; orYou receive or are eligible to receive railroad retirement benefits; orYou or your spouse (living or deceased, including divorced spouses) worked long enough in a government job where Medicare taxes were paid; orYou are the dependent parent of a fully insured deceased child.If you do not meet these requirements, you may be able to get Medicare hospital insurance by paying a monthly premium. Usually, you can sign up for this hospital insurance only during designated enrollment periods.NOTE: Even though the full retirement age is no longer 65, you should sign up for Medicare three months before your 65th birthday.
