By Sara Cooper
The process of getting acquainted with Medicare and what this program means can be overwhelming as the information can be endless and constantly changing. However, there are certain crucial points that you must know if you have Medicare or of you are going to be getting Medicare.
Being a federally funded health care program, Medicare is created to meet the needs of seniors of 65 years of age or older or of persons with certain disabilities or illnesses that are also covered by Medicare. With the growing list of medical or hospital needs that older people experience after a certain age, this program aims at reducing the costs of medical assistance, equipment or procedures and making good health financially possible for everyone.
Although hugely effective, Medicare cannot cover all medical costs that could arise at certain point of seniors' life. This is where the Medicare supplements come very handy. These Medicare supplement insurances, also referred to as "Medigap" insurance will help cover all medical expenses that are not taken care of by Medicare. The Medicare supplement insurance has two different components that we can call Part A and Part B.
Part A of Medicare is created mostly for the needs of hospital services but there will still be things that will not be covered by the program such as the deductibles of the hospital, prolonged services comprising skilled nursing center services and certain health and aide services.
Part B of Medicare is the part that will take care of the expenses regarding doctor services, prescription drugs, medical equipment, ambulance services and more.
It's important getting educated about the different aspects of Medicare - how it can help seniors, does it answer their needs accordingly and are they fully aware what items their supplemental insurance is covering or not. This will help them making the right choice and avoiding unnecessary financial issues.
For more information about medigap and medicare supplement insurance please visit:-http://www.americanseniors.com Article Source: http://EzineArticles.com/?expert=Sara_Cooper |