The Herald Bulletin

Evening Update

Columns

January 26, 2014

Charo Boyd: Medicare is best care if you are age 65 or older

If you are age 65 or older and haven’t signed up for Medicare Part B (Medical Insurance), now is the time to consider doing so. The general enrollment period for Medicare Part B runs from Jan. 1 through March 31 each year. Before you make a decision about general enrollment, we want to share some important information.

Remember: Most people are automatically enrolled in Medicare Part B when they become eligible. If you don’t enroll in Medicare Part B when you first become eligible, you may have to wait until the general enrollment period, which is Jan. 1 through March 31 of each year. At that time, you may have to pay a higher Medicare Part B premium.

What is Medicare?

Medicare is health insurance for people receiving Social Security who are age 65 or older or those who have received Social Security disability benefits for more than two years. Some people are covered only by one of the four parts of Medicare; others opt to pay extra for more coverage. Understanding Medicare can save you money; here are the facts.

The four parts of Medicare are parts A, B, C, and D.

u Part A (Hospital Insurance) helps cover inpatient hospital care, skilled nursing care, hospice care, and home health care. Most people get Medicare Part A premium-free since it was earned by working and paying Social Security taxes.

u Part B (Medical Insurance) helps cover services from doctors and other outpatient health care providers, outpatient care, home health care, durable medical equipment, and some preventive services. Most people pay a premium for Part B.

u Part C (Medicare Advantage) allows you to choose to receive all of your health care services through a provider organization. These plans include all benefits and services covered under Part A and Part B, usually includes Medicare prescription drug coverage as part of the plan, and may include extra benefits and services for an extra cost. You must have Part A and Part B to enroll in Part C. Monthly premiums vary depending on your state, private insurer, and whether you select a health maintenance organization or a preferred provider organization.

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