Medicare: A Safety Net for Seniors

Understanding Medicare at Age 65

Medicare, a federal health insurance program, provides health coverage to individuals aged 65 or older, as well as certain younger individuals with disabilities. At age 65, your mother becomes eligible for Medicare, which can provide her with comprehensive health coverage, including coverage for specialist visits and other necessary medical care.

How to Enroll in Medicare

Enrolling in Medicare is a simple process. Your mother can enroll online at the Social Security Administration (SSA) website, by calling the SSA at 1-800-772-1213, or by visiting a local SSA office. She will need to provide her Social Security number, birth date, and other information to complete the enrollment process.

Coverage Benefits of Medicare

Part A: Hospital Insurance
– Covers hospital stays, skilled nursing facility care, and hospice care.

Part B: Medical Insurance
– Covers doctor visits, specialist visits, outpatient care, durable medical equipment, and preventive screenings.

Part D: Prescription Drug Coverage
– Provides coverage for prescription medications, typically through private insurance plans approved by Medicare.

Costs of Medicare

Part A:
– Generally, Part A is premium-free for most individuals who have worked and paid into the Medicare system for at least 10 years.

Part B:
– The standard monthly premium for Part B in 2023 is $164.90.

Part D:
– The monthly premium for Part D varies depending on the specific plan chosen.

Financial Assistance for Medicare

Extra Help for Prescription Drug Costs:
– If your mother meets certain income and asset requirements, she may qualify for Extra Help, which reduces the costs of her Part D prescription drug coverage.

Medicare Savings Programs:
– These programs help people with limited income and assets pay for their Medicare Part A deductibles and copayments.

Getting Help

If you have questions about your mother’s Medicare coverage or about financial assistance programs, contact the Social Security Administration at 1-800-772-1213 or visit their website at www.ssa.gov. A licensed health insurance agent can also guide you through the process of applying for Medicare and finding the right coverage for your mother’s specific needs.

By understanding Medicare and its benefits, you can help your mother access the necessary medical care while minimizing out-of-pocket costs.