CalifChick -> RE: Hawaiian Health Care (2/12/2010 5:00:07 PM)
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ORIGINAL: eyesopened Medicare Part A hospital coverage was enacted as an entitlement so there is no premium but there is a deductible and it's not an annual deductible. There IS a premium for Part A (which covers facility costs such as hospital stays). According to the CMS (Center for Medicare and Medicaid Services, i.e., the gubament): Cost: Most people don’t have to pay a monthly payment, called a premium, for Part A. This is because they or a spouse paid Medicare taxes while working. If a beneficiary doesn't get premium-free Part A, they may be able to buy it if they (or their spouse) aren’t entitled to Social Security, because they didn’t work or didn’t pay enough Medicare taxes while working, are age 65 or older, or are disabled but no longer get free Part A because they returned to work. If they have limited income and resources, their state may help them pay for Part A quote:
And you can opt out of Part A as well. There is no law that says you have to use Medicare to cover hospitalizations. Actually, there is a law, in a convoluted sort of way. If you receive Social Security payments, then SS automatically enrolls you in Part A. Once you have Medicare, healthcare providers cannot treat you if they do not accept Medicare (with limited exceptions). If you attempt to purchase private insurance on your own, without coordinating it with Medicare and are successful in that purchase, then the private insurance still will not pay out the benefits, because Medicare is supposed to pay out first (again, with limited exceptions). And they will know, because they will check the Medicare system for your enrollment based on your age. The only way out of it is to go completely as a cash patient and stay off the government's radar. Cali
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