Understanding Medicare Part C & Part D Enrollment - Medicare.Gov: Fill & Download for Free

Medicare Part C is Medicare Advantage Plans.I don’t understand what you mean by given to every American.It is only available for the over 65s, and seeing as we don’t have any other system at the moment it will only be available to the over 65s.Medicare Advantage Plans are offered from private companies who work along side Medicare to supply a plan that pays most of the 20% that Medicare doesn’t pay.They will pay for most things, but not everything, and they use pretty strict networks so you can’t see any doctor or go to any hospital you like. It must be in their network.Most Medicare Advantage plans include Part D prescription drugs.Most of them provide other discounts like glasses, dental and hearing. Some now are providing home health and rides to hospitals.

Why does social security take your SSDI payment away if you refuse to accept Medicare?As I understand the rules if you refuse Medicare coverage, it can be used as evidence you are no longer disabled. HI 00801.002 - Waiver of HI Entitlement by Monthly Beneficiary - 06/29/2010 Medicare A is free and required. If you cannot afford B, C, or D, there are Extra Help programs for the premiums.Extra Help basics - Medicare InteractiveIs there help for me if I can’t afford Medicare’s premiums?Once you become eligible for premium-free Medicare Part A, you either have to enroll in Medicare Part A or you forfeit your Social Security benefits. Most individuals are unwilling to forfeit their Social Security benefits, and thus accept the enrollment into Medicare . . .SOURCE: Most Americans Switch to MedicareContact SSDI +1-800-772-1213 to see if you can still enroll and get your benefits reinstated.SOURCE: Medicare Annual Enrollment Period Dates 2020 - HealthPartnersCan I apply for Medicare if I am Already Receiving Disability? - Disability Benefits CenterMedicare Part A is provided at no cost for qualifying recipients. Failure to enroll in Medicare Part A when it is offered to you can result in you having to pay back Social Security Disability benefits, therefore making it necessary to sign up . . . If you have been approved for any Social Security Disability benefits due to your disability, you will be eligible for Medicare after you have been on Social Security Disability for two years. Depending on your income level, you may have to pay premiums for Medicare Parts B, C, and D. The amount you will need to pay is income based.

Why do people see Medicare for All as unappealing, as opposed to letting people keep their private healthcare provider?Medicare was a program created to help elderly individuals afford care, when they could not longer afford insurance. It wasn’t great care; but it was some care.Likewise, Medicaid operates an analogous system for people without enough income or wealth.So, these are generally perceived as economically vulnerable groups who the government helps. Not with great service. They have worse outcomes than non-Medicare patients. But their “medically necessary” care will be covered.To help these groups, every worker in the U.S. pays a total tax of about 2.9% of their total available income (half paid by employee, half paid by employer). Keeping in mind that everybody pays, but only about 15% of the population receives the entitlements. If everyone were eligible, all things equal, the total payroll tax (including social security) would have to rise to about 31.7% of an employee’s total available income (half employee; half employer). Or, about 15.35% of their gross pay.Some people—for reasons that only a drug-induced fever dream can rationalize—seem to think that these are really great programs. They are not. They are government-financed safety nets.Regardless, some people seem to think Medicare is so great that everybody must use the safety net. Even the people who don’t need the safety net. That the U.S. should have a one-size-fits-all healthcare plan.Which is just… mind-blowing in its absurdity. And yet many people think that. And are allowed to vote.Now, the general concept of letting the federal government run an “everybody must participate” healthcare system… is fairly horrifying, I think. The federal government is notorious for its inefficiency, incompetence, and waste. Right now, about $200 billion of Medicare/Medicaid spending… 1/3 of the entire budget, disappears every year as waste and fraud.It’s just a massively mismanaged system.Does Medicare not cover certain areas that a private healthcare provider would?Medicare coverage is both unlimited and yet very limited. It’s important to understand that Medicare is not a single program. It’s actually 4 different government programs, Medicare Part A, Part B, Part C, and Part D. (And that’s before we talk about Medicaid).A Quora answer isn’t a good place to explain how they all work—or don’t work—together. It’s extremely complicated. Some Parts, you have to pay monthly fees on top of the payroll system. It's messy. (And expensive.)The big idea is that Medicare A covers “medically necessary” services. It’s hard to give you a full and complete definition of what that means. For example, Medicare A does not cover:PrescriptionsMost dental careEye exams or corrective surgeryCosmetic surgeryHearing exams and hearing aidsFoot care (which sounds odd, but it’s a big deal for some patients)It also has some pretty low coverage limits on long hospital stays, therapy, and skilled nursing services. You may want it, but it's not “medically necessary.”Under Medicare B, that program only covers 80% of doctor’s services, lab tests, covered prescriptions, etc.; you still need to pay 20%. You’ll need to pay about $140/mo for Medicare B. Aaaand, then you can buy a separate Medicare D policy for other prescriptions. Which aren't covered by Medicare B, for example.So, even if you have Medicare, you end up paying quite a bit for it. (Why… almost as much as a private insurance policy in many cases.)Again, there is just no simple way to summarize how Medicare works.In short, if your medical care is not “medically necessary”, than it’s totally outside of Medicare. The other thing is, “medically necessary” treatment isn’t necessarily the best treatment. So, forbidding people from using private providers as they desire, means that people are basically getting bottom-of-the-barrel care.Now, I’ve seen Medicaid patients get top-notch care in the U.S., that even patients in Canada and the UK would never receive. But you have to remember: that’s the lower bound for care in the U.S. Most Americans do have private care. Which can be annoying to deal with, but is still better than Medicare.