Medicare is funded through the federal government and is primarily for people over the age of 65; however, people under age 65 who have disabilities and those with End Stage Renal disease can also be eligible, while Medicaid is a state funded program serving low income individuals and families who meet certain income guidelines.
There are two parts to Medicare coverage: Part A and Part B. Part A is for hospital insurance and covers hospital admittance, hospital stays, nursing facilities, some home care, and hospice care if needed. For many people, hospital care is paid for once they reach the age of 65, as long as you paid Medicare taxes while you were employed. If you live in Illinois and aren't sure about your Medicare coverage, you can have a consultation with an Illinois social security lawyer. They are there to help you and better understand your eligibility regarding Medicare coverage.
Medicare Part B is for medical coverage; it covers some services that Part A doesn't cover like physical and occupational therapy, along with doctor visits and outpatient hospital care. Part B Medicare coverage is an additional monthly premium which has several options. If Part B wasn't selected when you turned 65, then it may cost more if you need to add it later.
Private, and often advertised as more economical, Medicare Part B plans known as Medicare Advantage (MA) plans were introduced as an alternative to the government funded insurance. Statistics show that MA premiums are on the rise, and will cost consumers more than the traditional Medicare Part B plan. Since Medicare has so many options and stipulations, it is best to consult your local Illinois social security lawyer to explain the Medicare plans available.
Medicaid provides medical assistance and resource for low income families and individuals. Medicaid does not pay cash benefits, rather it provides medical and health related assistance to needy persons. The eligibility guidelines for Medicaid are stringent and benefits vary for each state. Not all low income people will qualify for this program since each state determines who meets the criteria.
Requirements that must be met may include:
- Certain age requirements
- Whether you are pregnant or not
- Whether you are blind and disabled
- Disabled
- An inventory of your income and resources (like bank accounts, real property, and other possessions that could be sold)
The applications for both Medicare and Medicaid may be difficult for the average citizen to understand. There are resources available to you through your Illinois social security lawyer. These lawyers are trained experts who can assist you with any questions about completing your applications. Once you get the help you need to fill out the applications, your Medicaid and Medicare should begin within three months. If you qualify, the coverage will last until the end of the last month, until your circumstance changes.
Medicaid and Medicare are programs designed to help those citizens who need medical coverage, insurance or additional insurance. Let the right law firm assist you with setting up these types of programs and help you determine your eligibility.
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