When you get Medicare at 65, it does last for the rest of your life. As long as you make your premiums and do not manage to get younger, you will have health care insurance. Medicare helps with many common health care areas.
Although Medicare lasts until a recipient dies, it does not cover everything. A person should be aware of the things it does not cover before enrolling or getting enrolled in the program.
Dentures and eye exams are often not covered by standard Medicare programs. Some Medigap programs do cover them, but most of these plans focus on providing necessary tests, extending hospitalization coverage. They do not offer different types of health care coverage.
Medicare premiums are also deducted from a patient’s social security check and this happens for the rest of the recipient’s life as well. As most people get Medicare after they leave the work force, they are used to having deductions taking off their paycheck.
Recipients who have end-stage renal failure do not need to worry about losing coverage. Neither do senior citizens, although they may use up certain yearly or lifetime limits that Medicare Part A. Recipients with the means can purchase a supplemental plan to extend this coverage. Low-income recipients can also qualify for coverage from Medicaid.
People who do not get medicare benefits for life are those who have a disability that only lasts a few years. If such a person is not 65 when a doctor and a judge declare that he no longer suffers from a documented disability, he must find some other form of health insurance. Applications for Medicare benefits and the details of what the program covers can be found on the Social Security Administration’s Web site.