Social Security Medicare Claim
Anyone who is eligible for Social Security benefits is also eligible for Social Security Medicare claim at age sixty five. Even if you are not going to claim Social Security benefits at age sixty-five because your benefit amount will be higher if you wait, you should sign up for Social Security Medicare claim three months before your 65th birthday. There is no reason to delay signing up for Medicare, and waiting until after your 65th birthday will delay coverage.
Medicare is a federal program that helps older folks and some disabled individual pay their medical bills. The Medicare program is divided into two parts; Part A and Part B. Part A is called hospital insurance and covers most hospital stay costs as well as some follow up costs. Part B is called medical insurance and pays some doctor and outpatient medical care costs.
Basically, an individual qualifies for Social Security Medicare claim after twenty-four months of entitlement to Social Security Disability benefits. Individuals over sixty-five who are not eligible for free Medicare Part A coverage can enroll in it and pay a monthly fee for the same coverage. The premium base rate depends on the number of work credits you have earned. However, this rate increases by ten percent for each year after your 65th birthday that you wait to enroll. If you enroll in paid Part A hospital insurance, you must also enroll in Part B medical insurance, for which you pay an additional monthly premium.
If your Social Security Medicare claim is denied, you have the right to appeal the decision. If Medicare does not pay for an item or service or if you are not provided an item or service you think you should receive, you can appeal. If a Part A Social Security Medicare claim is denied or not handled in the way you think it should be, you can challenge the decision. It pays to ask for Reconsideration. Few people do this, but more than half the claims challenged result in paid claims or higher payments.
Generally, your Social Security Medicare claim benefits will continue as long as you are disabled. However, you case will be periodically reviewed to see if you are still disabled. The frequency of the reviews depends on the expectation of recovery. Part A Social Security Medicare claim is usually paid directly to the facility or agency providing the care. You are responsible for deductibles, co-payments, and any amounts that are considered to be for non-covered services. On the other hand Part B Social Security Medicare claim are paid either to the provider or to the patient.