The basics of Illinois Medicare
When speaking of Illinois Medicare it encompasses several aspects of the federal government-sponsored health care program. The program itself is designed for those who are 65 years of age and older and for those who are younger than 65 who are disabled and meet the eligibility requirements. Medicare is operated by Centers of Medicare and Medicaid Services and is Department of Health and Human Services agency which is controlled by Congress.
However, while Medicare helps pay medical bills and provides members with certain health care benefits it isn’t designed to pay the full cost of them. Beneficiaries of the health program are also responsible for paying a share of the costs as well as co-payments, deductibles and services which the Medicare program doesn’t cover.
Medicare consists of four major parts. These are known as Medicare Parts A, B, C, and D. Part A is also called hospital insurance since it helps to cover the costs for inpatient health care for those who need treatment in a hospice, a skilled nursing facility after a stay in a hospital, or in a hospital. Medicare Part B is referred to as medical insurance and it’s designed to help cover the costs for doctors and several medical supplies and services that aren’t taken care of hospital insurance in Part A.
Medicare Part C is generally called Medicare Advantage. A Medicare Advantage plan is sold by a private insurance company and these are available in parts of the nation. Those who already have Medicare Part A as well as Part B may purchase an Advantage plan as a way of receiving all of their health care coverage and services via one provider organization. Medicare Part D will commonly be called prescription drug coverage and it helps to cover the costs of your prescribed medications.
If you’re eligible for Social Security benefits then you’re also eligible for Medicare. Most people who are 65 and older are enrolled in Part A for free. However, some people do have to purchase it. You’re also eligible for Part A if you’re under 65 and meet the requirements. In addition, if you’re eligible for Part A you’re also allowed to enrol in Medicare Part B, but will need to pay a monthly premium for it.
To find out which specific Illinois Medicare and supplement plans you qualify for and which ones will be the most beneficial to you please feel free to get in touch with ABC Healthcare Plans. One of our licensed health insurance agents will be able to provide you with all the information you need to know and can help you fill put an application form for the health plan that best suits your needs and budget.
You can also compare rates and Illinois Medicare plans from several insurers by taking advantage of your free and instant online quote engine at www.abchealthplans.com. If you’d like to speak with one of our trained agents for free assistance please give us a call at 1- 800-707-5795.