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Medicare is a health insurance program for: people age 65 or older,

people under age 65 with certain disabilities, and

people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare has: Part A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through

their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including

critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care

and some home health care. Beneficiaries must meet certain conditions to get these benefits. Part B Medical Insurance - Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover

doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some

of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services

and supplies when they are medically necessary. Prescription Drug Coverage - Most people will pay a monthly premium for this coverage. Starting January 1, 2006,

new Medicare prescription drug coverage will be available to everyone with Medicare. Everyone with Medicare can get

this coverage that may help lower prescription drug costs and help protect against higher costs in the future.

Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the

drug plan and pay a monthly premium. Like other insurance, if a beneficiary decides not to enroll in a drug plan

when they are first eligible, they may pay a penalty if they choose to join later.

For details on what Medicare will cover: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf To check for Medicare eligibility: http://www.medicare.gov/MedicareEligibility/home.asp?version=default&browser=IE%7C7%7CWindows+Vista&language=English

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16y ago

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