Eligibility For Medicare And Its Coverage

Before talking about eligibility for Medicare, we should first know about what is Medicare.  Medicare is basically a health insurance program which is administered by United States government. This is for eligible citizens or for permanent residents of US. Thus the need of understanding eligibility for Medicare is must if you are interested in Medicare program.

Eligibility for Medicare is quite simple. First of all, you are automatically qualified if you have paid money into the Medicare system for at least ten years.

Another simple eligibility for Medicare is that you must be aged 65 or older, unless you have some specific covered disease or disability such as kidney failure, renal disease, etc. Eligibility for Medicare is also sometimes decided by the social security benefits you receive.

There are many perks and additional benefits that are could be offered to a person if they are eligible for Medicare. Medicare offers several advantages such as medical insurance, hospital insurance, and other types of perks. Let’s take a look at some of this coverage.

First and the most beneficial part is that Medicare can help and assist you to pay for your various bills at hospital. These may include surgical expenses, clinical expenses, home health care, nursing services, etc. these are the benefits that do not require any extra premium payments from your part as you have already paid for them in the form of Medicare taxes deducted from your paycheck when you were working.

Other benefits and coverage that you get are the outpatient costs such diagnostic tests, x-rays, blood transfusion, renal dialysis, etc. This may also include the professional fees and costs of various medical equipment such as walkers, wheelchairs, etc. This is an optional benefit and thus requires you to pay premium payments. This could be higher in case you had not sign up when you are eligible for Medicare.

Unfortunately it has been seen and researched that number of senior citizens is increasing more rapidly than the people working and funding Medicare. If this goes on there will be a time when it will be impossible for federal government to bear the costs that are involved. This time is estimated and said to be around 2018 when it is very difficult to sustain Medicare after this time period.

Whatsoever be the case in future, the advantages of Medicare are above its disadvantages. Education and knowledge is a key which can help you provide most of the benefits with Medicare. Learn more about the eligibility and coverage and get the benefits soon if you can.