What is meant by Medicare?
Medicare is a federal health insurance scheme provided by the government to individuals who are over 65 years of age, or disabled individuals under 65 years, or patients with end-stage renal diseases. Medicare is usually divided into two major parts A and B, the former catering to hospital bill coverage and the latter, to medical insurance coverage. Medicare supplement packages are also offered by private insurance companies [though the package is designed by the federal government] to compensate for the gaps which are present in the original Medicare package. Medicare, being a state sponsored affair, is available across the country [though the form may vary slightly from state to state]. Alabama Medicare plans are open for residents of any part of the state.
How to Apply for Medicare in Alabama?
- The Social Security Administration is responsible for ensuring that people are enrolled in this health insurance scheme. For people who are claimants of Social Security or Railroad Retirement Board, enrollment in the Alabama Medicare policy is automatic. Parts A and B of the Alabama Medicare coverage are open to such people automatically, by default. However in case you are not planning to receive Social Security retirement check once you have turned 65 years of age, then you must contact Social Security to get yourself enrolled in this kind of health insurance coverage scheme.
- For people who are being benefitted by Social Security and RRB, the Medicare Alabama plan kicks into effect on the first day of the month on which they turn 65. For people whose birthdays fall on the first day of a month, the scheme becomes effective from the previous month itself.
- For people who are under 65 years of age but are disabled, Medicare coverage is usually automatic if he or she is getting benefits under the disability scheme from Social Security or the RRB.
- In case someone is not receiving Social Security Benefits at all, the person has to contact the concerned department to get himself enrolled in the scheme. Part A is virtually free if the person has worked for 40 calendar quarters. The person will be required to contact the local Social Security Office of his area and complete the necessary paperwork.
Thus applying for Medicare in Alabama is an easy and hassle-free procedure, which is a necessity as well. Care should be taken to fill in the forms correctly and accurately.