Kansas Medicare Plans:
Like in rest of the US, In Kansas as well Medicare is a federal backed healthcare program that provides health coverage for senior citizens over 65+ years of age and certain disabled individuals.
To receive the Medicare advantage in Kansas, you must have an American citizenship or should be a legal permanent resident of at least five continuous years.
If going by the numbers, 527,181 is the total number of Kansas beneficiaries enrolled in Medicare. 298,459 is the number of Kansas citizens enrolled in stand-alone Medicare Part D Prescription Drug Plans.
1. Medicare Part A:
Medicare Part A is also called original Medicare. The coverage offers hospital expenses imminent to inpatient care. The coverage pay expenses for semi-private room, meals, nursing services and inpatient medications. To note, Medicare Part A doesn’t include the costs for a private room, private-duty nursing and expenses incurred on personal care items.
Furthermore, Medicare doesn’t also cover the cost of blood. You needn’t to pay any money if hospital arranges the blood from blood bank at no charge. In case hospital has no choice but to buy blood for you, you must pay for only the first three units.
Medicare Part A offers coverage for covers the entire cost for covered home health care services. If your treatment requires medical equipment and your doctor prescribes it, it’s covered under Medicare Part B and you have to pay 20% of the Medicare-approved amount.
2. Medicare Part B:
Medicare Part B, called medical insurance is part of Original Medicare. The plan offers coverage for medical services and supplies that are required to treat your health condition. The coverage that offers includes outpatient care, preventive services, ambulance services, and durable medical equipment.
People who already receiving benefits of Medicare Part A coverage, are eligible for Medicare Part B. For this, they have to enroll for the coverage by paying a monthly premium. A person with disabilities is automatically deemed eligible for Medicare part B enrollment. Another way to get eligibility for Medicare Part B enrollment before 65 is if you have diagnosed with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis.
Furthermore, beneficiaries receiving Social Security or federal retirement benefits, get their Part B premium deducted directly from their monthly benefits.
3. Medicare Part C (Medicare Advantage):
Medicare Advantage or Medicare Part C is available to those beneficiaries who are currently enrolled in Original Medicare, Part A and Part B. In Kansas, Medicare Advantage plans are offered by major private health insurance carriers in coordination with Medicare Part A and Part B benefits.
Your eligibility for Medicare Advantage plan depends upon your eligibility for Original Medicare, Part A and Part B. This means if a beneficiary is already receiving Medicare A and Medicare benefits, he can enroll for Medicare Part C. However, you have to be a resident of the service where you’re considering the Medicare advantage plan.
In case you are taking benefits of any other health insurance coverage in the state, consult your plan administrator how can you take an additional a Medicare Advantage plan?
4. Medicare Part D (Prescription Drug Coverage)
Medicare Part D is also known as prescription drug coverage. The plan is offered by Medicare approved private insurance companies in coordination with federal run Medicare program. A person who is eligible for Original Medicare, Part A and/or Part B and who is living in the service area of a Medicare Prescription Drug Plan can opt for Medicare Part D.
There are few terms and conditions associated with the Medicare Part D plan:
- If the Prescription Drug Plan comes with an annual deductible, you are required to pay the full amount of your prescription drug purchases until the deductible is met.
- Once your annual deductible is met, you will pay a share of the costs in compliance with your plan.
After you have paid a certain amount for prescription drugs using your Medicare Part D coverage, you have to pay all costs yourself, up to a yearly limit.