NOTE: Certain Federal, State, and local government employees pay only the Part A portion of the FICA tax. Most individuals pay the full FICA tax so the QCs they earn can be used to meet the requirements for both monthly Social Security benefits and premium-free Part A. QCs are earned through payment of payroll taxes under the Federal Insurance Contributions Act (FICA) during the person's working years. The exact number of QCs required is dependent on whether the person is filing for Part A on the basis of age, disability, or End Stage Renal Disease (ESRD). To receive premium-free Part A, the worker must have a specified number of quarters of coverage (QCs) and file an application for Social Security or Railroad Retirement Board (RRB) benefits. To be eligible for premium-free Part A, an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child. Most people get Part A for free, but some have to pay a premium for this coverage. Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) are available to the individuals below: For more information about Medicare for people who are still working, go to our Employer page or I’m 65 and Still Working page. As a result, it became Medicare Part A B C D.This page contains information on Medicare Part A and Medicare Part B eligibility and enrollment. Then, part C was added for private insurance companies. Later, medical coverage was added to the hospital coverage. Medicare started out as hospital insurance. You pay the premium directly to the private company and not to the government. Private companies providing this coverage are annually certified, and approved, by the Centers for Medicare & Medicaid Services. Part D is optional, requires a premium, and is offered through private companies. Anyone with Part A or B is eligible for Part D. It is the Medicare program which covers prescription drugs. Medicare Part D is last part of the Medicare part A B C D alphabet. MediGap insurance pays after Medicare pays. Medicare Advantage pays instead of Medicare. Whereas Part C includes Parts A and B, and can include extra coverage. The difference is that MediGap insurance is in addition to Medicare part A and B. Medicare Advantage is not Medicare Supplemental (MediGap) insurance. The insurer provides your benefits not the government. The difference between Part C and the combination of Part A and B, is that you pay the premium to private insurer. Part C plans with prescription drug benefits are known as “Medicare Advantage” (MA) plans. You can receive more coverage beyond parts A and B. Part C allows you to have your Medicare benefits administered through private health insurance plans. You now have the option to enroll in Medicare part C. The passage of the Balanced Budget Act of 1997 added C to Medicare part A B C D. There was a move in 1997 to “privatize” Medicare. Medicare Supplemental Insurance is only available if you are receiving benefits from Part A and B. You must go to a private insurance company to receive this coverage. They are not sold or administered by the government. The MediGap plans are standardized by the government. This is the reason for Medicare Supplement Insurance (sometimes called MediGap). There are holes or “gaps” in the Medicare part A and B coverage. Medicare part A B C D does not cover everything. Otherwise, you will have to pay a premium to receive this coverage. If you are still working, your employer’s insurance may cover this part. Part B is optional and you must pay a premium. Physical therapy and some preventive screenings are also covered. Medicare Part B added coverage for medically necessary services. It did not cover medically necessary services like doctor’s services, diagnostic tests and outpatient care. There was a short coming in the original Medicare plan. Long-term or custodial care are not covered in any Medicare part A B C D. Part A does not cover long-term or custodial care. Most people do not have to pay a premium to get Part A. Today, home health care and hospice facility care are also included. The Parts of MedicareĮveryone who is eligible for Medicare receive Medicare Part A benefits automatically. Part A initially covered inpatient hospital care and skilled nursing facility care. If you were looking for Social Security A B C D, know that there is no Social Security A B C D, but Medicare Part ABCD. Medicare is strongly associated with Social Security. You also must meet minimum work amount requirements. You are eligible if you paid into social security during your working life. With the enactment of the Medicare law, many people became eligible for Medicare.
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