When a person reaches 65 and receives retirement benefits, he may wonder if he has to take Medicare. Although there are many reasons to take Medicare, including making sure a person has health care insurance for the rest of his life.
A person with the means or who does not want to add to the national debt may wonder if he or she can refuse Medicare. A person can refuse Medicare coverage, but there are good reasons why he should not do so.
Medicare Part A covers hospitalization services. The government does not charge premiums for people who qualify for the program. A person can choose not to sign up for Part A, but there is usually no reason not to do so.
Medicare Part B usually costs the person $96.40 per month. People with a higher income may pay slightly higher premiums. The premiums are usually deducted from the paycheck. A social security recipient with limited income who relies on this check may choose to opt out of the program, but he may want to see if he can get help from Medicaid or Medicare programs first.
A person does not have to take Medicare. Part A or B, but he must fill out paperwork stating his intentions to refuse Medicare. Individually choosing not to participate in the Medicare program is not a lifelong decision. A person cannot re-enroll in the program later if his economic circumstances change.
Some people, such as those with end-stage renal failure will find themselves automatically covered by the program even if they did not apply. The doctors and the hospitals know whom they need to bill and the paperwork they need to fill out in this case. Medicare provides broad ranges of coverage, but sometimes a person may have better health care insurance.