{"id":120,"date":"2022-08-12T02:26:16","date_gmt":"2022-08-12T02:26:16","guid":{"rendered":"https:\/\/yoursecurechoice.com\/?page_id=120"},"modified":"2022-09-05T21:01:10","modified_gmt":"2022-09-05T21:01:10","slug":"what-is-hospital-indemnity","status":"publish","type":"page","link":"https:\/\/yoursecurechoice.com\/?page_id=120","title":{"rendered":"Understanding Medicare"},"content":{"rendered":"<style>\/*! elementor - v3.7.4 - 31-08-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style>\n<h2>Original Medicare<\/h2>\n<style>\/*! elementor - v3.7.4 - 31-08-2022 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-container{--container-widget-width:100%}.e-container>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));-ms-flex-item-align:stretch;align-self:stretch;-ms-flex-negative:0;flex-shrink:0}.e-container>.elementor-widget-spacer>.elementor-widget-container,.e-container>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-container>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\n<style>\/*! elementor - v3.7.4 - 31-08-2022 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);-ms-flex-negative:0;flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:-webkit-box;display:-ms-flexbox;display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;-webkit-box-flex:1;-ms-flex-positive:1;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-container>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow,0)}<\/style>\n<p>There are three different ways to qualify for Medicare: being 65 or older, having received disability benefits for 24 months or longer, or if you have end-stage renal disease (ESRD). Medicare is split into 4 main parts and these are some of the things they cover:<\/p>\n<h2>Part A: Hospital<\/h2>\n<ul>\n<li>Inpatient care in a hospital<\/li>\n<li>Skilled nursing facility care<\/li>\n<li>Nursing home care<\/li>\n<li>Part-Time Home Care<\/li>\n<li>Hospice for the Terminally Ill<\/li>\n<\/ul>\n<h2>Part B: Medical<\/h2>\n<ul>\n<li>Outpatient Services<\/li>\n<li>Ambulance Services<\/li>\n<li>Outpatient physical, speech, and occupational therapy<\/li>\n<li>Outpatient Surgeries<\/li>\n<li>Durable Medical Equipment<\/li>\n<li>X-Rays<\/li>\n<\/ul>\n<h2>Medicare Part A: Hospital Insurance<\/h2>\n<p>Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Most people who are eligible for Medicare, do not pay a Part A premium. Part A pays 100% of allowable charges for the first 60 days after you meet your Part A deductible. The Part A deductible for 2023 is $1100 for day 1-60, and $275\/day61-90, and $550 for 90-150, and after 150 days you would be responsible for 100% of hospital costs<\/p>\n<h2>Medicare Part B: Medical Insurance<\/h2>\n<p>Medicare Part B helps cover medical services like doctor&#8217;s services, outpatient care, and other medical services that Part A doesn&#8217;t cover. Part B is optional. Part B helps pay for covered medical services and items when they are medically necessary. Part B does have a monthly premium to the federal government. Part B will pay 80% of the Medicare approved amounts once the Part B deductible has been met. The deductible for 2023 is $233 &#8211; in addition you would be responsible for 20% of Medicare allowable costs if you do not have a Medigap plan.<\/p>\n<p>Part B covers 2 types of services<\/p>\n<ul>\n<li>\n<p><strong>Medically necessary services:<\/strong>\u00a0Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.<\/p>\n<\/li>\n<li>\n<p><strong>Preventative Services: <\/strong>Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.<\/p>\n<\/li>\n<\/ul>\n<p>You pay nothing for most preventive services if you get the services from a health care provider who accepts assignment.\u00a0<\/p>\n<p><strong>Part B covers things like (click links below for information from Medicare.gov):<\/strong><\/p>\n<ul>\n<li>\n<p><a title=\"Clinical research studies\" href=\"https:\/\/www.medicare.gov\/coverage\/clinical-research-studies\" target=\"_blank\" rel=\"noopener\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"84a78f34-a656-45cb-87a4-556ef34c452c\">Clinical research<\/a>\u00a0\u00a0<\/p>\n<\/li>\n<li>\n<p><a title=\"Ambulance services\" href=\"https:\/\/www.medicare.gov\/coverage\/ambulance-services\" target=\"_blank\" rel=\"noopener\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"fbba76bc-8cbc-4ffd-b746-627efc9f087e\">Ambulance services<\/a><\/p>\n<\/li>\n<li>\n<p><a title=\"Durable medical equipment (DME) coverage\" href=\"https:\/\/www.medicare.gov\/coverage\/durable-medical-equipment-dme-coverage\" target=\"_blank\" rel=\"noopener\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"484edb47-02b7-4f1f-8206-f77dd1110615\">Durable medical equipment (DME)<\/a><\/p>\n<\/li>\n<li>\n<p>Mental health<\/p>\n<ul>\n<li>\n<p><a title=\"Mental health care (inpatient)\" href=\"https:\/\/www.medicare.gov\/coverage\/mental-health-care-inpatient\" target=\"_blank\" rel=\"noopener\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"e7aa9281-472b-449e-8e6b-3dbc0f925c8f\">Inpatient<\/a><\/p>\n<\/li>\n<li>\n<p><a title=\"Mental health care (outpatient)\" href=\"https:\/\/www.medicare.gov\/coverage\/mental-health-care-outpatient\" target=\"_blank\" rel=\"noopener\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"dae294e8-e595-47f3-bfa8-286bbf402dce\">Outpatient<\/a><\/p>\n<\/li>\n<li>\n<p><a title=\"Mental health care (partial hospitalization) \" href=\"https:\/\/www.medicare.gov\/coverage\/mental-health-care-partial-hospitalization\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"5c0e5801-fbd9-461c-a4ea-07ba6f93b660\">Partial hospitalization<\/a><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><a title=\"Prescription drugs (outpatient)\" href=\"https:\/\/www.medicare.gov\/coverage\/prescription-drugs-outpatient\" data-entity-substitution=\"canonical\" data-entity-type=\"node\" data-entity-uuid=\"79d080a9-981b-45ef-8500-b9bc4b9b088a\">Limited outpatient prescription drugs<\/a><\/p>\n<\/li>\n<\/ul>\n<h2>Part C Medicare Advantage<\/h2>\n<p>This combines the benefits for both Part A and Part B, and offers additional benefits such as:<\/p>\n<ul>\n<li>Prescription Drug Coverage<\/li>\n<li>Dental, Vision, and Hearing Services<\/li>\n<li>Health and Wellness Programs<\/li>\n<li>\u00a0Private Health Insurance Companies always administer but Federal Government overseen.<\/li>\n<\/ul>\n<h2>Part D Prescription Drug Coverage<\/h2>\n<ul>\n<li>Covers Prescription Drugs<\/li>\n<li>Must have Medicare Part A AND\/OR Part B to enroll<\/li>\n<li>Offered by Private Companies; however guidelines and coverage\u00a0 overseen by the Federal Government\u00a0<\/li>\n<li>Each Part D plan decides which specific drugs it will cover and what plan members will pay but must be approved by the Federal Government<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Original Medicare There are three different ways to qualify for Medicare: being 65 or older, having received disability benefits for 24 months or longer, or if you have end-stage renal disease (ESRD). Medicare is split into 4 main parts and these are some of the things they cover: Part A:&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-120","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=\/wp\/v2\/pages\/120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=120"}],"version-history":[{"count":102,"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=\/wp\/v2\/pages\/120\/revisions"}],"predecessor-version":[{"id":571,"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=\/wp\/v2\/pages\/120\/revisions\/571"}],"wp:attachment":[{"href":"https:\/\/yoursecurechoice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}