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Medicare is a government-backed insurance program for people age 65 and older. However, certain people under the age of 65 can qualify for Medicare coverage. The Medicare program is divided into several parts, each covering expenses for different aspects of healthcare.
If you are enrolled in an Original Medicare plan, you will notice that you are often required to pay some out-of-pocket amounts when you receive health care. Medicare Supplement Insurance plans, also known as Medigap plans, exist to fill the cost gaps left behind by Original Medicare benefits.
Our team of professionals can help you create a thought-out strategy using various tools designed to help you address your financial needs and concerns.
We can help you secure your financial future. Contact Grutz Financial now to schedule a meeting and get started.
Managing your finances properly is a complex process that requires practical knowledge and insight. If you are someone who is looking for more information about how to protect your wealth and secure your future into retirement, start here!
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For over five decades, Americans 65 and older, and Americans with disabilities have been provided with life-saving access to Medicare. But not everyone can automatically qualify.
To qualify for Premium-Free Part A, you must already be entitled to Medicare based on your own income or family member, such as a partner, partner, or any children.
To be entitled to Medicare Premium-Free Part A, you must have accumulated a certain number of quarters of coverage (QCs). You must also submit a valid application for Railroad Retirement Board (RRB) or Social Security. The precise number of QCs required for each person is dependent on whether you are applying based on your age, if you have End-Stage Renal Disease (ESRD), or other disabilities.
The eligibility qualifications for Part B vary on whether or not you are valid for Premium-Free Part A or if you have to pay a premium for Part A coverage. Anyone who is valid for Premium-Free Part A is also allowed to enroll in Part B. Qualification for Part B can only occur at particular times.
If you pay a premium for Part A, you must also meet the following requirements for Part B.
You must be:
It is important to note that Part B is entirely voluntary and requires the payment of a monthly premium following the entire time of coverage.
Suppose you are already receiving Railroad Retirement Board benefits or Social Security at least sixteen weeks before being qualified for Medicare, and you currently live in the United States (Puerto Rico exempt). In that case, you are automatically qualified in both Premium-Free Parts A and B.
You may be eligible for Medicare benefits if you are disabled or suffer from certain diseases. Often, people with disabilities have lower-incomes, require more health care, and have great difficulty paying for and obtaining the care they need.
Are you going to be enrolling in Medicare soon? Contact Grutz Financial to learn how we can help you get started with the enrollment process.
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