Medicare and Employer-Based Coverage T he Basics
[Pages:41]Medicare and Employer-Based Coverage ? T he Basics
What is Medicare?
? A federal health insurance program ? Run by the Centers for Medicare and
Medicaid Services (CMS) ? Benefit decisions controlled by the U.S.
Congress ? Social Security Administration (SSA)
handles enrollment and eligibility
Make Medicare Work Coalition Nov 2011 2
Medicare has 4 Parts ? A,B,C,D
Original Medicare ? Part A ? Hospital Insurance: hospital, skilled
nursing facility, home health, hospice
? Part B ? Medical Insurance: doctors, outpatient services, preventive services, lab tests, ambulance services, medical equipment and supplies
Provided through private companies that have contracts with Medicare
? Part C ? Medicare Advantage ? Part D ? Prescription Drug Plans
3 Make Medicare Work Coalition Nov 2011
Who is eligible for Medicare?
? Age and work history
? Age 65+ and eligible for benefits under either Social Security, Railroad Retirement, federal, state or local employee
? 40+ quarters of Social Security covered employment = eligible for Social Security AND
? Part A - (premium free) ? Part B ? pay a monthly premium
? If married ? may receive benefits under a spouse's work record
? May also receive benefits under a former spouse if
married at least 10 years
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Make Medicare Work Coalition Nov 2011
Others Eligible
? Persons with disabilities
? Receiving disability benefits under Social Security Disability Insurance (SSDI) or Railroad Retirement for 24 months or more
? Any age
? End-Stage Renal Disease (ESRD) ? Amyoptrophic Later Sclerosis (ALS) ? Lou
Gehrig's disease
5 Make Medicare Work Coalition Nov 2011
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