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Medicare FAQ

When it comes to your health insurance, there are countless questions to which you may need answers. To complicate matters, the world of health insurance is changing every day. For people over the age of 65, those under the age of 65 with certain disabilities and people of all ages with end-stage renal disease, Medicare is an insurance program specifically designed to meet their needs. Below are the most frequently asked questions when it comes to Medicare.

Who is eligible for Medicare?
Medicare is available for the groups of people listed above. It is important to know that Medicare has two parts including:
  • Part A (Hospital Insurance) – If you are 65 or older, you are eligible for premium-free hospital insurance only if you or your spouse worked and paid Medicare taxes for at least 10 years. If you or your spouse did not pay Medicare taxes while you worked, and you are at least 65 years old, you may be able to buy Part A.
  • Part B (Medical Insurance) – While most people do not have to pay a premium for Part A, everyone must pay for Part B if they elect to purchase it. This monthly premium is deducted from your Social Security, Railroad Retirement or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.
How do I apply for Medicare?
You can apply for Medicare online when you file for retirement or disability.

What is a Medicare Deductible?
A deductible is the amount you must pay each year before Medicare begins paying its portion of your medical bill. There are deductibles for both the Part A (Hospital Insurance) and Part B (doctor services) portions of Medicare. Your deductible is taken out of your claims when Medicare receives them. Medicare will not start paying on your claims until you have met your annual deductible.

Does Medicare Cover Dental Services?
Medicare will not cover routine dental care or many dental procedures such as cleanings, fillings, tooth extractions or dentures. In some cases, Medicare Part B will pay for certain dental services. In addition, Medicare Part A will pay for certain dental services that you get when you are in the hospital.

Have a question about your Medicare insurance? Medicare.gov may be a helpful resource. Your physician’s office can help you understand what is covered with your specific insurance plan.