Medicare is a government program which began in 1965 as a social program for those who were retiring that they may be able to have a health care insurance which would partially be funded by the taxes paid by these employees. There are many sites online that give information all about Medicare and the benefits an employee or retiree may get. Medicare is a health insurance that covers most of the health care needs of retired senior citizens who may find medical expenses hard on their savings, this is why the government has come up with a way for these seniors to benefit from the taxes they have paid during their time as an employee where they would be able to get a premium free plan depending on the amount of taxes paid.

Not everyone knows about Medicare other than it will help in medical finances. Medicare has four plans that can be purchased by a qualified beneficiary. This would be the following plans Medicare A which is for inpatient hospital bills, nursing facilities where there are skilled nurses, hospices and other nursing homes that qualify the patient as a beneficiary for Medicare, then Medicare B which these are services that are not offered by Medicare A which is outpatient fees and doctor fees this is handled by Medicare B then there is Medicare C, is however an advantage plan, these plans are offered to some private companies that have agreements with Medicare whereas their employees would be able to get both Medicare A and B from a Medicare advantage plan. A good thing about this plan is that it may offer additional benefits such as hearing, dental and other programs that are for wellness. Lastly Medicare D, which is the prescription drugs coverage, covers all the bills for medication however there are a lot of terms to with a beneficiary must follow upon requesting for Medicare D.

Medicare plans are flexible, this is one thing people must know about Medicare. A beneficiary may purchase two plans as long as they are eligible and that they are able to pay for the plans. Most wealthy people would not opt to have a Medicare plan even if most of their taxes have been paid and would be enough to avail them a premium free plan A from Medicare. For most people Medicare pays an important role in their retirement, since most of their savings will be the means of income other than pension medication and hospital bills might be too much for a senior citizens’ needs, this is why the government came up with the Medicare to benefit all those who are of retirement age to be able to gain help from the government for their medical needs whenever they need to avail of it. Medicare may not pay for everything though the sum that the insurance shoulders is more that most insurances and this is after all something that has been paid for by taxes which is why most people opt for Medicare.

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