The United States government offers Medicare health insurance to seniors aged 65 and older, as well as qualifying citizens under 65 who have permanent kidney failure or disabilities.
Health coverage for expenses related to Hospital (In-Patient) care, lab work, surgery, skilled nursing care, and hospice. There is no charge for Medicare Part A coverage if you have worked for at least 10 years (40 quarters). If less than 10 years, the monthly premium varies based on whether you have worked less than or more than 7.5 years.
Health coverage for doctors, health providers, out-patient treatments, durable medical equipment, and some home health care costs. There are monthly premiums required for Medicare Part B coverage. It is IMPORTANT to enroll in Part B within the specified date range around the month you turn 65, or when you loose creditable coverage from your employer. Penalties are added to the cost of coverage (for life) for each month you are late enrolling.
Alternative health care coverage provided by private insurance companies replacing Original Medicare Parts A & B.
Insurance coverage for Prescribed Medications. It is important to compare and identify the right Prescription Drug Plan (PDP) based on the specific medications you require.
Medicare insurance is complex to fully understand. We recommend that you visit www.medicare.gov to learn more about the services and costs for Original Medicare.
Key Options looks forward to the opportunity to assist you in protecting your dreams and minimizing financial risk using plans that are right for you.
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