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What is Medicare?

Medicare is the federal health insurance program for people:

  • Age 65 and up
  • Younger than 65 who have been determined by the Social Security Association to be Disabled
  • Suffering End-Stage Renal Disease, also known as ESRD or kidney failure. (requires dialysis or a transplant).

Medicare Deducts Taxes As Follows:

  • 2.9% if you are self employed
  • 1.45% if you are employed and 1.45% remaining paid by your employer

Some workers pay an additional Medicare tax of 0.9% if they earn higher than specific thresholds.

Medicare’s four parts that cover specific services:

Medicare Part A (hospital insurance)

Part A covers hospital stays (with a medical order for “in-patient”), medical attention in a specialized medical center, hospice, and some in-home medical services.

Medicare Part B (medical insurance)

Part B covers outpatient care, preventive services, ambulance services, and durable medical equipment.

Medicare Part C (Medicare Advantage plans)

This is a health insurance plan for Medicare which is covered by a private health insurance company who has a contract with Medicare to provide all the benefits for Part A and Part B. If you are enrolled in a Medicare Advantage plan, the majority of the services are covered through the plan and are not paid with “Original Medicare”. These Medicare Advantage plans also may offer coverage for specific prescribed medications.

Medicare Part D(prescription coverage)

Part D adds prescription drug coverage to original Medicare, some Medicare cost plans, some private Medicare payment plans, and Medicare medical savings account plans. These plans are offered by Medicare-approved insurance companies and other private companies. Medicare Advantage plans may also offer prescription drug coverage that follows the same rules as Medicare prescription drug plans.

Not Sure What Coverage You Have?

  • Review your red, white, and blue Medicare card.
  • Call the number on your insurance card for more information.
  • Call 1-800-MEDICARE (1-800-633-4227).

Keep in mind that AyudaCon.com is available to research and assist with your Medicare. Contact us for more information on our services and rates.