What You Need To Know About Enrolling In Medicare Part A

Medicare enrollment can be tricky, especially if you're trying to get coverage on your own. Applying for Medicare Part A requires careful consideration of your current and future healthcare needs. Before you decide to enroll, there are several factors that you should consider.

Make Sure You Need Medicare Part A

First, if you already have coverage through an employer or other group health plan, it may be beneficial to wait until that plan ends before signing up for Part A benefits. This is because Medicare Part A does not cover the same types of services as group plans and opting for Part A may mean that you have to pay more out-of-pocket for your health care.

Make Sure Enrollment Isn't Automatic

If you are eligible for Social Security benefits, you should know that enrollment in Medicare Part A is automatic when those benefits begin. If you are not eligible for Social Security benefits, then you will need to apply directly with Medicare.

Check Your Eligibility

To be eligible for Part A, you must meet specific requirements. You must be at least 65 years old, a U.S. citizen or permanent resident, and have worked at least 10 years in the United States as an employee or self-employed individual. If you are under 65, you may be eligible for Part A if you have certain disabilities or diseases that require regular medical care.

Determine Your Premium Amount

The amount of your premium depends on how many years you worked in the United States and when you first enrolled in Medicare Part A. Generally, a higher premium is charged for those who have worked less time.

Understand Coverage Limitations

It's important to understand that Medicare Part A does not cover all medical expenses. The program only covers hospital care and certain types of home health care services. It does not cover doctor visits, prescription drugs, vision, or dental care. Medicare Part B is needed to cover those expenses.

Speak With a Medicare Enrollment Professional

If you have questions about your eligibility or what is covered by Medicare Part A, it's best to speak with a Medicare enrollment professional who can provide more detailed information. They can also help you understand the different types of plans available and help you decide which one is right for you.

A Medicare agent can provide more information about your eligibility and needs as you fill out the necessary paperwork. For instance, you may find that you are eligible for a different type of insurance plan.

For more info, contact a local company like Chehalem Insurance Associates, LLC.