When you’re young, fit and healthy, medical insurance isn’t really at the top of your agenda is it? Illness is something which happens to other people, hospital is somewhere you go to visit other people and there’s no need to worry about that until you get much older. Other people have those problems, not you. Well, fortunately there are Medicare plans which are specifically designed to help with older people and their medical problems, or younger people who are already suffering from certain illness and disabilities.
Medicare Plans are available for anyone who is over the age of 65 years, those who are under the age of 65 years but are suffering from certain disabilities, or for anyone who is suffering from End-Stage Renal Disease, with permanent kidney failure and requiring either a transplant or dialysis – no matter what their age is.
- Medicare Part A Hospital Insurance is a plan which offers cover for inpatient care in hospitals, and also help with skilled nursing facilities, hospice or medical care in the home.
- Medicare Part B Medical Insurance helps to cover any doctors’ services, outpatient hospital care as well as home health care. It can also help with preventative measures so that you can maintain health and prevent some illnesses from worsening.
- Medicare Part D Prescription Drug Cover is a prescription drug option which is run by some private insurance companies which have Medicare approval. It helps with the cost of prescription drugs and can really help to lower these costs, both now and in the future.
These are, of course, just examples of Medicare plans available. There are many other options, and these plans can be “mixed and matched” to suit your needs. All plans cover emergency treatment, but some will also include things like hearing, dental, vision, and health and wellness programs.