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U.S. Medicare Health Insurance Information

Updated/Revised Date: 2022-04-13
Author: Disabled World | Contact: Disabled World (Disabled-World.com)
Additional References: U.S. Medicare System Publications

Synopsis: Medicare is a health insurance program for persons age sixty-five or older, persons under the age of sixty-five years with certain disabilities, as well as people of any age with End-Stage Renal Disease.. Medicare Part A Insurance assists in covering inpatient hospital care to include critical access hospitals, and skilled nursing facilities; although it does not cover either custodial or long-term care. Medicare Part A Insurance assists in covering hospice care, as well as some home health care. Medicare Part B Insurance assists with coverage of doctors' services, outpatient care, as well as some additional medical services that Medicare Part A Insurance does not cover; for example, some services of physical and occupational therapists, or some home health care services.

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Main Document

U.S. Medicare was established in 1965, authorized under Title XVIII of the U.S. Social Security Act, and is available to people who fall into three categories. Most people become eligible for Medicare by virtue of attaining age sixty-five.

Related Publications:

U.S. Medicare is a health insurance program for persons age sixty-five or older, persons under the age of sixty-five years with certain disabilities, as well as people of any age with End-Stage Renal Disease. U.S. Medicare has three kinds of insurance within the program:

Medicare is associated with the U.S. Social Security Administration.

U.S. Medicare Logo. CMS, Centers for Medicare and Medicaid Services.U.S. Medicare Logo. CMS, Centers for Medicare and Medicaid Services.

Part A Hospital Insurance

The majority of people do not pay a premium for Part A Hospital Insurance because either the person themselves or a spouse has already paid for the coverage through their payroll taxes while working. Medicare Part A Insurance assists in covering inpatient hospital care, to include critical access hospitals, and skilled nursing facilities; although it does not cover either custodial or long-term care. Medicare Part A Insurance assists in covering hospice care, as well as some home health care. Persons with Medicare Part A Insurance must meet specific conditions to receive these benefits.

Part A covers:

For each "spell of illness," beneficiaries have a $912 deductible for an inpatient hospital stay of 1-60 days and daily coinsurance starting the 61st day. If they use a skilled nursing facility for more than 20 days in a spell of illness, they must pay $114 per day for days.

Part B Medical Insurance:

The majority of people do pay a monthly premium for Part B Medical Insurance. Medicare Part B Insurance assists with coverage of doctors' services, outpatient care, as well as some additional medical services that Medicare Part A Insurance does not cover; for example, some services of physical and occupational therapists, or some home health care services. Medicare Part B assists in paying for covered services and supplies when they are deemed medically necessary.

Part B covers:

Beneficiaries have an annual deductible of $110. In addition, most Part B services require coinsurance of 20 percent of the Medicare-approved amount.

Medicare Part D Prescription Drug Coverage

The majority of people will pay a monthly premium for Medicare Part D Coverage. Beginning on January 1, 2006, Medicare Part D Coverage became available to everyone with Medicare coverage to assist with prescription drug costs. Private companies provide the insurance; beneficiaries can choose among drug plans and pay a monthly premium. As with other forms of insurance, if a person decides not to enroll in a plan when they are first eligible, they may pay a penalty should they decide to join at a later time.

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Subtopics and Associated Subjects

Disabled World is an independent disability community founded in 2004 to provide disability news and information to people with disabilities, seniors, their family and/or carers. See our homepage for informative reviews, exclusive stories and how-tos. You can connect with us on social media such as Twitter and Facebook or learn more about Disabled World on our about us page.

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Disabled World provides general information only. The materials presented are never meant to substitute for professional medical care by a qualified practitioner, nor should they be construed as such. Financial support is derived from advertisements or referral programs, where indicated. Any 3rd party offering or advertising does not constitute an endorsement.


Cite This Page (APA): Disabled World. (2022, April 13). U.S. Medicare Health Insurance Information. Disabled World. Retrieved December 1, 2022 from www.disabled-world.com/medical/healthcare/us-medicare/

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