The Affordable Care Act and Immigrant Medicare
What is Medicare for Greencard holders? Medicare is a health insurance program for those who are over the age of 65 and have paid taxes into the Social Security system. It was designed to provide medical coverage for seniors, but it can also be used by disabled people and those with end-stage renal disease. Medicare Part A covers inpatient care, skilled nursing facilities, home health, hospice care and some preventive services. The costs of these benefits vary depending on your plan type. While there are many different parts to Medicare that you should be aware of before enrolling, we will focus on one: Part C (also known as Medicare Advantage).
What is Part C? Part C is an alternative way to get your healthcare needs covered that is offered by private insurance companies. It’s similar to Part A and B in some ways, but it also has many differences. Similarities of Medicare Advantage Plans With all three parts of Medicare, there are certain things you can expect:
Your premium will vary based on the plan type (such as HMO or PPO) and your location – You must be enrolled during a specific enrollment period to avoid late fees
Differences Between Parts A & C While all Three parts cover hospitalizations through skilled nursing facilities, hospitals emergency room visits, ambulance costs and even hospice care; one big difference between Part C vs. Parts A&B is what they don’t cover. What does this mean? Generally speaking, Part A only covers the costs associated with skilled care. For example, if you are in a nursing home and need help getting to the bathroom or showering, Medicare will not cover that type of assistance because it is considered “skilled.” Part B generally doesn’t pay for long term stays either (over 100 days), whereas Part C (Medicare Advantage) does offer coverage up until around 200-250 days.…