Medicare simplified
Medicare Enrollment Explained
At Uebe Insured located in Shenandoah, TX, we understand the importance of being well-informed about Medicare to make informed decisions regarding your health insurance options. We have curated this resource section with your needs in mind, aiming to equip you with the knowledge necessary to navigate the complexities of Medicare effectively. Our Medicare information section is designed to educate you on various insurance options, empowering you to make informed choices that align with your individual requirements. Whether you are exploring different plans or seeking guidance on selecting the right coverage, our resources are here to assist you every step of the way. Should you require further information or have any inquiries, please do not hesitate to reach out to us. Our team is dedicated to providing support and guidance every step of the way. Your understanding of Medicare is crucial, and we are committed to ensuring that you have the resources and assistance necessary to make well-informed decisions about your health insurance.
Are You Eligible for Medicare?
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States. If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
You can get Part A at age 65 without having to pay premiums if
- You already get retirement benefits from Social Security or the Railroad Retirement Board.
- You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
- You or your spouse had Medicare-covered government employment.
If you are under 65, you can get Part A without having to pay premiums if
- You have received Social Security or Railroad Retirement
- Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.
While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.
Medicare: What You Need to Know
Medicare is a health insurance program for:
- People age 65 or older,
- People under age 65 with certain disabilities
- People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)
Are You Eligible for Medicare?
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 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.