MEDICARE Medicare is at service of only those people who either meet some certain age or they have some disability. Those people who have worked for a time in the United States and their spouse are also eligible.
1.) People of age 65 and more.
2.) Young people having some disability.
3.) Those who have renal diseases or kidney failures.
The medicare Hotline is 1.800.633.4227, which can be used to gain more information about the policies. They provide services for inpatient hospital care, nursing care, doctor’s fees, drugs and all other medical services and supplies.
HEALTH MAINTANANCE ORGANIZATIONS (HMO'S) These organizations negotiate about the pricing and coverage agreements with private physicians and hospitals. They accept government medicare payments. Links for More HMO Information
HealthMetrix Research Inc
Medicare Rights Center
hmos4seniors.com
PRIVATE MEDIGAP OR MEDICARE SUPPLEMENTAL INSURANCE Legally this insurance comes under ten plans which are not covered by medicare or any HMO. It spreads from A-J. Each category has different points to cover such as,
Premium costs, Existing condition clause, Built-in premium increases, Age triggered increases, Inflation factors for increase in benefit coverage, Guarantee of renewability, Ability to upgrade to higher letter coverage at a later date.
MEDICAID Medicaid is funded and administered by states under their department of Insurance .Medicaid is a facility given to those who enjoy government medical aid services. It covers hospitalization, doctors' visits, and lab tests.
If you want Medicare and Medicaid to work together to cover the cost of medical care, you should go to doctors, hospitals, etc. that accept both Medicare and Medicaid. For more information you can log on to www.hcfa.gov
LONG TERM CARE INSURANCE Medicare, HMO's and Medigap insurance do not pay for nursing home care forlong term stays or for Assisted Living. Insurance can be purchased to help pay these costs.
