{"id":252,"date":"2024-07-29T21:08:18","date_gmt":"2024-07-29T21:08:18","guid":{"rendered":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/?page_id=252"},"modified":"2024-10-22T22:16:24","modified_gmt":"2024-10-22T22:16:24","slug":"what-is-medicare","status":"publish","type":"page","link":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/what-is-medicare\/","title":{"rendered":"What Is Medicare"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"252\" class=\"elementor elementor-252\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c92fe31 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"c92fe31\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a403e8\" data-id=\"2a403e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a5a6d5 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"4a5a6d5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What Is Medicare<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5aad9eb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5aad9eb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-96b95f0\" data-id=\"96b95f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6ab8e3 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"d6ab8e3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/Medicare-Supplement-smaller-image.webp\" class=\"attachment-full size-full wp-image-285\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/Medicare-Supplement-smaller-image.webp 750w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/Medicare-Supplement-smaller-image-300x200.webp 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e735894\" data-id=\"e735894\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73696a2 elementor-widget elementor-widget-heading\" data-id=\"73696a2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">General Medicare\n\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4bdc3 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"2d4bdc3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<ul><li><span class=\"s2\">If you are already receiving Social Security you will be automatically enrolled for Parts A &amp; B and get your Medicare card 3 months before the month of your 65<\/span><span class=\"s4\"><sup>th<\/sup><\/span><span class=\"s2\">\u00a0birthday and start receiving your benefits the first day of the month of your 65<\/span><span class=\"s4\"><sup>th<\/sup><\/span><span class=\"s2\">\u00a0birthday or the previous month if your birthday is on the lst.<span class=\"Apple-converted-space\">\u00a0\u00a0<\/span>If you do not automatically receive your Medicare card call Social Security at 1-800-772-1213.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3021440 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3021440\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72ed511\" data-id=\"72ed511\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e40f52f elementor-widget elementor-widget-text-editor\" data-id=\"e40f52f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tU.S. government health insurance program for seniors 65+ and approved disabled individuals &lt;65.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19a5d13 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19a5d13\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-81d7159\" data-id=\"81d7159\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54576a7 elementor-widget elementor-widget-text-editor\" data-id=\"54576a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>U.S. government health insurance program for seniors 65+ and approved disabled individuals &lt;65.<\/p><ul><li>If you are already receiving Social Security you will be automatically enrolled for Parts A &amp; B and get your Medicare card 3 months before the month of your 65<sup>th<\/sup>\u00a0birthday and start receiving your benefits the first day of the month of your 65<sup>th<\/sup>\u00a0birthday or the previous month if your birthday is on the lst.If you do not automatically receive your Medicare card call Social Security at 1-800-772-1213.<ul><li>If you do nothing you will keep Part B and Part B premiums will start coming out of your Social Security.<\/li><\/ul><\/li><li>There are different rules for those that live in Puerto Rico or those that have serious health issues like end-stage renal failure and Lou Gehrig\u2019s disease, please check with Medicare.gov or call 1-800-Medicare.<\/li><li>You must be a U.S. citizen or lawfully present in the U.S. to get Medicare Parts A &amp;B.<\/li><li>If you meet certain requirements, you can delay Medicare Part B but you\u00a0have\u00a0to respond to their notification\u00a0and have creditable insurance\u00a0otherwise face penalty fees that will be added to your monthly Medicare premiums.If in doubt ask?<\/li><li>Your\u00a0initial Enrollment Period is three months before the month of your 65<sup>th<\/sup>\u00a0birthday and three months after.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6aab981\" data-id=\"6aab981\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd4540e elementor-widget elementor-widget-image\" data-id=\"bd4540e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/GENERAL-MEDICARE-1.webp\" class=\"attachment-full size-full wp-image-260\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/GENERAL-MEDICARE-1.webp 400w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/GENERAL-MEDICARE-1-300x300.webp 300w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/GENERAL-MEDICARE-1-150x150.webp 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-456662f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"456662f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9e44a8b\" data-id=\"9e44a8b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c9ccb0d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9ccb0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ecd8e06\" data-id=\"ecd8e06\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec49e92 elementor-widget elementor-widget-image\" data-id=\"ec49e92\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_.webp\" class=\"attachment-full size-full wp-image-267\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_.webp 400w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_-300x300.webp 300w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_-150x150.webp 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4c50795\" data-id=\"4c50795\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b8c1aa elementor-widget elementor-widget-heading\" data-id=\"8b8c1aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MEDICARE PLANS:\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9010122 elementor-widget elementor-widget-text-editor\" data-id=\"9010122\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Medicare Part A:Everyone (who is eligible) receives Medicare Part A at age 65.Part A is your basic coverage for hospital,\u00a0skilled nursing facility (not long-term or custodial)hospice care, and home health care\u00a0it pays 80% after a deductible of $1,260 (2015) and covers 1-60 days and there is no premium.\u00a0\u00a0If you did not sign up during your initial enrollment period you can sign-up between January 1 and March 31 of each year but your coverage won\u2019t start until July first and you may be assessed a penalty (if you did not have other creditable insurance).<\/p><p>Medicare Part B:This is coveragefor your Dr.and other out-patient medical services and the premiums vary depending on your taxable income\u00a0and usually comes out of your Social Security check or for those not taking Social Security they may pay a premium.There is an annual deduction of $147 (2015).Part B pays 80% of the total Medicare approved charge. \u00a0If you do not sign-up for Part B when you are first eligible for Medicare (and did not have creditable insurance) you will incur a penalty that will be added monthly to your premium for the rest of your life.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-362143d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"362143d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb77583\" data-id=\"eb77583\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-02e33e4 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02e33e4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7bdc310\" data-id=\"7bdc310\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2b0291 elementor-widget elementor-widget-text-editor\" data-id=\"b2b0291\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Medicare Part C:Medicare has sub-contracted Part C to private insurance companies called Advantage Plans.The government oversees these plans and decides which insurance companies can sell in which zip code.You are officially a client of the insurance companyand have to use their insurance card and cannot use your Medicare card (keep your Medicare card for use if you ever go back tooriginal Medicare).You still have to pay your Part B premiums but these are sent to the insurance company managing your Advantage Plan and you may also have an additional premium to pay to the insurance company for your Advantage Plan.Advantage Plans are either HMO\u2019s which are usually free or PPO\u2019s that usually have an additional premium.Advantage Plans include your drug plan Medicare Part D.<\/p><p>Medicare Part D:You have to have a separate drug plan (Part D) if you are on original Medicare(and have a Medicare supplement plan).If you have a Medicare Advantage Plan (Medicare Part C ) you do not need to buy a separate drug plan.Advantage plans usually include your drug plan.You need to purchase a Medicare Part D plan from an independent insurance company but if you do not purchase a plan when you are first on Medicare\u00a0(and do not have an Advantage Plan or other creditable insurance)\u00a0you will incur penalty fees if you sign up later.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c409305\" data-id=\"c409305\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cec31f elementor-widget elementor-widget-image\" data-id=\"3cec31f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_-1.webp\" class=\"attachment-full size-full wp-image-269\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_-1.webp 400w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_-1-300x300.webp 300w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/07\/MEDICARE-PLANS_-1-150x150.webp 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e770d38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e770d38\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30be73e\" data-id=\"30be73e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a07f712 elementor-widget elementor-widget-text-editor\" data-id=\"a07f712\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Open enrollment for the above is October 15 thru December 7 each year, there are a few exceptions<\/p><ol><li>When you are first eligible for Medicare (three months before your 65 birth month and three months after).\u00a0<\/li><li>Move out of your plan\u2019s service area. (Medicare Part C &amp; D)<\/li><li>Lose other creditable insurance coverage<br \/><br \/><\/li><\/ol><p><strong>ALL INFORMATION CAN BE FOUND IN DETAIL IN YOUR ANNUAL MEDICARE BOOK OR ON-LINE AT MEDICARE.GOV.YOU CAN ALSO CALL 1-800-MEDICARE.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dae9d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dae9d1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0ce81a\" data-id=\"c0ce81a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ddf8d0e elementor-reverse-mobile elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ddf8d0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-15b6681\" data-id=\"15b6681\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f17d087 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"f17d087\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"434\" height=\"650\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Short-Term-Care.webp\" class=\"attachment-full size-full wp-image-786\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Short-Term-Care.webp 434w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Short-Term-Care-200x300.webp 200w\" sizes=\"(max-width: 434px) 100vw, 434px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-81915ec\" data-id=\"81915ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-132d26c elementor-widget elementor-widget-heading\" data-id=\"132d26c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What is Medicare? <\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c50844a elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"c50844a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMedicare is a federal health insurance program specifically designed to cater to the healthcare needs of seniors aged 65 and older, as well as certain disabled individuals under the age of 65 who meet eligibility criteria. This program aims to provide affordable and comprehensive healthcare coverage, ensuring that these populations can access necessary medical services without facing financial hardship. By offering different parts of coverage, Medicare addresses various aspects of healthcare, from hospital stays to outpatient services, helping beneficiaries maintain their health and well-being.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b41beec elementor-widget elementor-widget-heading\" data-id=\"b41beec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Breakdown of Medicare Part A: What It Covers and Who Is Eligible<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a000e9 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3a000e9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMedicare Part A primarily covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care services. Most people do not pay a premium for Part A if they or their spouse paid Medicare taxes while working. It is crucial for beneficiaries to understand that Part A only covers specific services, often requiring copayments, coinsurance, and deductibles. Eligibility for premium-free Part A generally depends on having worked and paid Medicare taxes for at least ten years or being married to someone who qualifies.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86a0eb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"86a0eb7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fdaf96f\" data-id=\"fdaf96f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f04c391 elementor-reverse-mobile elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f04c391\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c0052b9\" data-id=\"c0052b9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32acf20 elementor-widget elementor-widget-heading\" data-id=\"32acf20\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Medicare Part B: Explaining Doctor and Outpatient Services Coverage<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb5353 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"6eb5353\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMedicare Part B is designed to cover doctor visits, outpatient care, preventive services, and certain home health services. Unlike Part A, Part B requires beneficiaries to pay a monthly premium, which can vary based on income. This part of Medicare also involves additional costs such as deductibles and coinsurance. Preventive services under Part B include screenings, vaccinations, and annual wellness visits, all aimed at preventing or managing health issues. Understanding the specifics of Part B is essential for beneficiaries to effectively plan for their medical expenses and ensure comprehensive coverage.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8fe84 elementor-widget elementor-widget-heading\" data-id=\"7e8fe84\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exploring Medicare Part C Advantage Plans Managed by Private Insurers<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98ea631 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"98ea631\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMedicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Part A and Part B). These plans are offered by private insurance companies approved by Medicare and often include additional benefits such as vision, dental, and hearing coverage. Medicare Advantage plans may also incorporate prescription drug coverage, similar to Part D. While these plans typically have networks of doctors and hospitals, they may offer lower out-of-pocket costs and additional perks. It is important for beneficiaries to compare different Medicare Advantage plans to find one that best suits their healthcare needs and preferences.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eddd33 elementor-widget elementor-widget-button\" data-id=\"7eddd33\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-583bed7\" data-id=\"583bed7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffc11fb elementor-invisible elementor-widget elementor-widget-image\" data-id=\"ffc11fb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"434\" height=\"650\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Long-Term-Care-1-1.webp\" class=\"attachment-full size-full wp-image-799\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Long-Term-Care-1-1.webp 434w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Long-Term-Care-1-1-200x300.webp 200w\" sizes=\"(max-width: 434px) 100vw, 434px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8c5882 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8c5882\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e53cf01\" data-id=\"e53cf01\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-59fd78e elementor-reverse-mobile elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59fd78e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6456dfb\" data-id=\"6456dfb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22a9983 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"22a9983\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"434\" height=\"650\" src=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Long-Term-Care-1.webp\" class=\"attachment-full size-full wp-image-798\" alt=\"\" srcset=\"https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Long-Term-Care-1.webp 434w, https:\/\/texasfinancial.cyber-demo-client-website1.com\/wp-content\/uploads\/2024\/10\/Long-Term-Care-1-200x300.webp 200w\" sizes=\"(max-width: 434px) 100vw, 434px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f5b0016\" data-id=\"f5b0016\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8eab8cb elementor-widget elementor-widget-heading\" data-id=\"8eab8cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Understanding Medicare Part D: Prescription Drug Coverage and Its Importance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e9744c elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1e9744c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMedicare Part D provides prescription drug coverage to help beneficiaries manage the cost of medications. This coverage is offered through private insurance companies and can be added to Original Medicare or included in Medicare Advantage plans. Part D plans vary in terms of the drugs they cover, their premiums, and their cost-sharing structures. It is vital for beneficiaries to review and select a Part D plan that aligns with their medication needs, ensuring they can afford and access the prescriptions they require. Annual reviews of Part D plans during open enrollment periods can help beneficiaries adjust their coverage as needed.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa22fa7 elementor-widget elementor-widget-heading\" data-id=\"aa22fa7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Enrollment in Medicare Automatic and Manual Processes Explained<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd3bc6f elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"cd3bc6f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Enrolling in Medicare can happen automatically or manually, depending on the individual&#8217;s circumstances. Here are the key points to understand:<\/p><ul><li><strong>Automatic Enrollment<\/strong>: Those receiving Social Security benefits are automatically enrolled in Parts A and B at age 65.<\/li><li><strong>Manual Enrollment<\/strong>: Individuals not receiving Social Security must enroll during the Initial Enrollment Period.<\/li><li><strong>Initial Enrollment Period<\/strong>: Begins three months before turning 65 and ends three months after.<\/li><li><strong>Special Enrollment Periods<\/strong>: Available for those who delayed enrollment due to other health coverage.<\/li><li><strong>Avoiding Penalties<\/strong>: Timely enrollment is crucial to avoid late enrollment penalties.<\/li><li><strong>Further Information<\/strong>: Visit Medicare.gov or call 1-800-Medicare for detailed guidance.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>General Medicare If you are already receiving Social Security you will be automatically enrolled for Parts A &amp; B and get your Medicare card 3 months before the month of your 65th\u00a0birthday and start receiving your benefits the first day of the month of your 65th\u00a0birthday or the previous month if your birthday is on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-252","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/pages\/252","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/comments?post=252"}],"version-history":[{"count":43,"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/pages\/252\/revisions"}],"predecessor-version":[{"id":927,"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/pages\/252\/revisions\/927"}],"wp:attachment":[{"href":"https:\/\/texasfinancial.cyber-demo-client-website1.com\/index.php\/wp-json\/wp\/v2\/media?parent=252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}