Medicare and Medicaid Law

Medicare and Medicaid Law
Medicare is our country’s health insurance program for people who are over 65 years old. Also, people under the age of 65 who suffer from kidney disease or amyotrophic lateral sclerosis (Lou Gehrig’s disease can also qualify for Medicare. The program helps with the cost of health care. However, it does not cover all medical expenses or the cost of most long-term care.

Medicare has four parts

  • Hospital insurance (Part A) that helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care.
  • Medical insurance (Part B) that helps pay for doctors’ services and many other medical services and supplies that are not covered by hospital insurance.
  • Medicare Advantage (Part C) plans are available in many areas. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations under Part C.
  • Prescription drug coverage (Part D) that helps pay for medications doctors prescribe for treatment.

Medicaid and Medicare are different benefit programs. Medicaid is a state-run program that provides hospital and medical coverage for people with low income and little or no resources. Some people qualify for both Medicare and Medicaid.

If you cannot afford to pay your Medicare premiums and other medical costs, you may be able to get help from your state. States offer programs for people who are entitled to Medicare and have low income. The programs may pay some or all of Medicare’s premiums and also may pay Medicare deductibles and coinsurance. To qualify, you must have Part A (hospital insurance), a limited income, and, in most states, your resources, such as bank accounts, stocks and bonds, cannot be valued at more than $4,000 for a single person or $6,000 for a couple.

If you qualify for Medicare or Medicaid and your application for benefits has been denied, the law only allows you a very limited tome to appeal the denial. You need to contact an attorney who is familiar with and specializes in Medicare and Medicaid law.

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