Council on Aging Answers 2015 - 98

COUNCIL ON AGING - ORANGE COUNTY

Demystifying Medicare
INSURANCE

n Mary Ozurovich - hICAP Coordinator of Volunteers
hICAP Orange County

Informed enrollees get better coverage
Medicare is complex and confusing - many
people struggle to understand how to navigate the
complexities of the program.
Each year, The Council on Aging-Orange County
Health Insurance Counseling and Advocacy Program
(HICAP) helps many people in Orange County who
are being denied a Medicare covered service. Some
are unable to get a prescription they need while others
are discharged from the hospital before they are ready.
The root cause of many of these coverage issues
is lack of knowledge about how Medicare works
and what it covers. The following is some basic
information to help start you on the path to a better
understanding of Medicare.
Medicare is a federal health insurance program for:
n Most people age 65 and older
n Certain people younger than 65 with disabilities
n People with ALS, also known as Lou Gehrig's
disease
n People with end-stage renal disease (ESRD),
permanent kidney failure requiring dialysis or
transplant
98

Answers Guide 2015

Medicare is divided into 4 parts:
n Part A - Hospital Insurance: Covers most
inpatient hospital care, certain inpatient skilled
nursing facility (SNF) care, certain home health
care and certain hospice care.
n Part B - Medical Insurance: Covers a portion
of outpatient medical services such as doctors'
services, outpatient hospital care, laboratory
tests, outpatient physical and speech therapy,
certain home health care, certain ambulance
services, and certain medical equipment and
supplies.
n Part C - Medicare Advantage: Allows you to
enroll in and receive Medicare benefits through
private health insurance plans.
n Part D - Prescription Drug Coverage: Provides
prescription drug coverage through private drug
plans.
Note: Medicare does not cover all medical services.
It also does not pay 100% of certain covered services.
Although Medicare pays for many preventive services
and health screenings, with coverage of many
medically necessary services, the percentage of your
out-of-pocket health care expenses is sizable and will
increase as you age.

COUNCIl ON AGING - ORANGe COUNTY IS A 501 (C)3 NONpROFIT CORpORATION. TO DISTRIbUTe ANSweRS FRee OF COST, we mUST Sell ADveRTISING SpACe. wHIle we AppReCIATe THe pAID lISTINGS IN ANSweRS, THeIR
Aging and Disability Resource Connection | 800-510-2020 | www.adrcoc.org
INClUSION does not imply a recommendation or endorsement of products or services by coaoc. AlwAYS be A vIGIlANT CONSUmeR. veRIFY INFORmATION AND SeeK ReFeReNCeS wHeRe AppROpRIATe.



Council on Aging Answers 2015

Table of Contents for the Digital Edition of Council on Aging Answers 2015

Contents
Council on Aging Answers 2015 - Intro
Council on Aging Answers 2015 - Cover1
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