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What is Medicare? Answered

What is ,"Medicare Part A" and do I have to be over 65 to get into it?

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Tunesrlife
Tunesrlife

Best Answer 11 years ago

 "The nation's largest health insurance program, which covers nearly 40 million Americans. Medicare is a Health Insurance Program for people age 65 or older, some disabled people under age 65, and people of all ages with End-Stage Renal Disease (permanent kidney failure treated with dialysis or a transplant)."
http://www.medicareconsumerguide.com/

Part A Overview

Part A is hospital insurance provided by Medicare. Most people do not pay a premium for this coverage. Part A covers inpatient care in skilled nursing facilities, critical access hospitals, and hospitals. Hospice and home health care are also covered by Part A.

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nfarrow
nfarrow

Answer 11 years ago

So not being 65 I can't buy into any kind of government run health care program? Even with the new legislative action...


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AngryRedhead
AngryRedhead

Answer 11 years ago

Are you referring to The Patient Protection and Affordable Care Act?  If so, that has not yet been signed by the President, so no, not right now at least and not for 6 months after the presidential signature if I read the bill correctly.
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nfarrow
nfarrow

Answer 11 years ago

Was kind of reading the bill and looking at, "Individuals Eligible for Enrollment" and from what it reads, "has not attained the age of 30 before the beginning of the plan year" page 115. So does that mean that not everyone is covered if the individual is over the age of 30 when trying to enroll would be denied coverage? Not saying I wish it wasn’t passed just kind wanted to know who is covered.

Link to Bill

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AngryRedhead
AngryRedhead

Answer 11 years ago

Are you referring to this:

"17 (e) CATASTROPHIC PLAN.—
18 (1) IN GENERAL.—A health plan not providing
19 a bronze, silver, gold, or platinum level of coverage
20 shall be treated as meeting the requirements of sub21
section (d) with respect to any plan year if—
22 (A) the only individuals who are eligible to
23 enroll in the plan are individuals described in
24 paragraph (2); and
25 (B) the plan provides—
115
O:\BAI\BAI09M01.xml [file 1 of 9] S.L.C.
1 (i) except as provided in clause (ii),
2 the essential health benefits determined
3 under subsection (b), except that the plan
4 provides no benefits for any plan year until
5 the individual has incurred cost-sharing ex6
penses in an amount equal to the annual
7 limitation in effect under subsection (c)(1)
8 for the plan year (except as provided for in
9 section 2713); and
10 (ii) coverage for at least three primary
11 care visits.
12 (2) INDIVIDUALS ELIGIBLE FOR ENROLL13
MENT.—An individual is described in this paragraph
14 for any plan year if the individual—
15 (A) has not attained the age of 30 before
16 the beginning of the plan year; or
17 (B) has a certification in effect for any
18 plan year under this title that the individual is
19 exempt from the requirement under section
20 5000A of the Internal Revenue Code of 1986
21 by reason of—
22 (i) section 5000A(e)(1) of such Code
23 (relating to individuals without affordable
24 coverage); or
116
O:\BAI\BAI09M01.xml [file 1 of 9] S.L.C.
1 (ii) section 5000A(e)(5) of such Code
2 (relating to individuals with hardships)."

?

If so, it seems you must be under 30 to get the Catastrophic Plan, but skimming through, I do not see the same requirements for the other plan levels (i.e., bronze, silver, gold, and platinum).
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AngryRedhead
AngryRedhead

Answer 11 years ago

Pretty much this, but if you are under 65 y/o, you have to prove you have a disability which can take years.

Alternatively, there's medicaid for low-income individuals, and you would need to check your state's requirements for applying.  This can also take years.

Neither will pay for past medical bills or hospitalizations IIRC.

If you need applying or need more information on eligibility, call 211 or search on their website for services or the correct phone number.  You can also call 211 for information on local health services that might be available to you apart from national or state health care plans.
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GrumpyOldGoat
GrumpyOldGoat

11 years ago

Mediscare amd medikade are insurance plans where the federal government uses the power of, and threat of, imprisonment to force productive members of society to pay for non-producers healthcare.