Medicare is a health program offered to people from the age of 65 and above. However, even people who are below the age of 65 can be eligible for the same program provided but only if they meet certain qualifications. These services are only available for the citizens of the United States of America. It is a federal program and as such, residents from any of the states in America can enjoy the services. American Seniors are committed to providing adequate information on all the policies.

Under this program medicare benefits , any permanently disabled or elderly person can receive hospital and medical care. Medical care includes visits by the doctor, therapies, hospital stays, and prescription of drugs among other services. After one has attained the age of 65, ten they can apply for Medicare insurance within a window period of seven months without paying any fee.

Medicare is a government funded federal program. It may be administered courtesy of a HMO, meaning that the government has to pay a private hospital to give these services to the citizens. While enrolling for the services, the individual has to consider Medicare part A, B, C and D. Due to the many choices that are available; it pays to be well aware of the terms that are in every category, if you are to make the right choice. It is worth noting that even after you are enrolled with these insurance services, there will be times when you will be required to dig into your pockets to pay for the services, such as co-pays and other deductibles. The American Seniors give comprehensive advice regarding all these issues and help you in making an informed decision.

Medicare Part A and medicare benefits
This part deals with the hospital bit of the insurance program. It deals with inpatient, nursing facilities, hospice facilities and home care for patients. They cover the blood transfusion services during the stay in a hospital. They also cater for all your needs during the time that one is admitted in a hospital such as food and nursing. They also cover home nursing services such as therapies. Part A also covers hospice care for people who have an estimated six months or less to live.

Medicare Part B
In a real sense, part B comes to complement what was lacking in Part A. It covers 80% of the services covered by the Medicare insurance, after all the deductibles have been catered for. The remaining 20% is the responsibility of the individual. This part covers a lot of medical procedures and equipment that would have been your sole responsibility. It also covers some health services such as doctors' fees, vaccinations, screening for cancer and diabetes, surgical services and therapies just to mention a few. The list of the services covered goes beyond this, and there is a need to expand the knowledge to know what works best for each person.

If you are happy with the doctor that you have now, you will not want to have to switch health care providers under a new policy. That is why supplemental Medicare insurance is a good idea, because you will have no need to start all over with a completely new policy. Instead, you will still be able to carry on with the same level of coverage that you are accustomed to, given by the same providers. However, you will have the freedom to receive more coverage for special circumstances if necessary.

A good first step towards uncovering affordable rates on these specialty types of insurance policies is to think about what you need to have covered that isn't. The next step is to compare different policies, to see what's out there. These supplemental policies are offered by private insurance companies, so their rules and regulations will completely depend on what that company says. In addition, their price quotes will also depend on the variables set out by the private insurance company. Because there are so many that may be offering quite similar looking policies, it can become difficult to sift through all of this paperwork to find the one that is the best for your needs.

This is where the assistance of a qualified insurance professional can come in handy. There are insurance agents that specialize specifically in supplemental Medicare insurance, for example. These professionals can help by comparing the different quotes side by side, and then explaining the differences in policy and coverage that each company is offering you. Together, you can then work out the best final solution for your supplemental coverage problems. There is no need to settle for anything less than full health coverage, so if Medicare is not quite meeting your needs, it's a good idea to fill in the gaps.