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Medicare is a Health Insurance Program for:

  • People age 65 or older.
  • People under age 65 with certain disabilities.
  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

Medicare has Two Parts:

  • Part A (Hospital Insurance)Most people don’t have to pay for Part A.
  • Part B (Medical Insurance)Most people pay monthly for Part B.

You can choose different ways to get the services covered by Medicare. Depending on where you live, you may have different choices. In most cases, when you first get Medicare, you are in Original Medicare. You may want to consider a Medicare Prescription Drug Plan to add drug coverage. Or, you may want to consider a Medicare Advantage Plan (like an HMO or PPO) that provides all your Part A, Part B, and often Part D coverage. You make a choice when you are first eligible for Medicare. Each year you can review your health and prescription needs and switch to a different plan in the fall.

As long as you have both Part A and Part B, items covered by Part A and Part B are covered whether you have Original Medicare, or you belong to a Medicare Advantage Plan (like an HMO or PPO). For more information see the Your Medicare Coverage database.

3 Responses to “What is Medicare and How Can it Help Me”

  • Brenda Wells says:

    I lost my medicare card, how do I replace it.? How do I get part B?

  • Steve says:

    See this post http://www.medicarecard.com/medicarecardblog/index.php/achives/2010/02/26/replacing-a-lost-social-security-card/
    or this one on the MedicareCard.com Blog
    http://www.medicarecard.com/medicarecardblog/index.php/achives/2009/10/03/what-if-my-social-security-card-is-lost-or-stolen/
    You can replace your card or your child’s card for free if it is lost or stolen. However, you are limited to three replacement cards in a year and 10 during your lifetime. Legal name changes and other exceptions do not count toward these limits. For example, changes in non citizen status that require card updates may not count toward these limits.

    Also, you may not be affected by these limits if you can prove you need the card to prevent a significant hardship.

    To get a replacement card, you will need to:

    * Complete an Application For A Social Security Card (Form SS-5);
    * Present a recently issued document to show your identity;
    * Show evidence of your U.S. citizenship if you were born outside the United States and did not show proof of citizenship when you got your card; and
    * Show evidence of your current lawful non-citizen status if you are not a U.S. citizen.

  • Medicare says:

    VA Home Loans Can Help Servicemembers and Veterans Purchase, Refinance, or Adapt a Home

    The Department of Veterans Affairs (VA) offers a variety of home loan programs for active duty servicemembers, veterans, and National Guard and Reserve members:

    Purchase Loans help purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance.
    Cash Out Refinance Loans take cash out of your home equity to pay off debt, fund school, or make home improvements.
    Interest Rate Reduction Refinance Loan can help you obtain a lower interest rate by refinancing an existing VA loan.
    Native American Direct Loans help eligible Native American veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan.
    Adapted Housing Grants help veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability.
    These programs are not one-time benefits – they can be reused.

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