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Insurance for Seniors: 5 Things to Know About Medicare Eligibility



Insurance for Seniors: 5 Things to Know About Medicare Eligibility

From 2021 to 2022, the number of seniors enrolling in Medicare grew by roughly 2.2 million beneficiaries. But what type of eligibility requirements are needed to provide insurance for seniors?

For starters, age plays a deciding role. Seeing as Medicare can assist with everything from hospital stays to medication, seniors must access this invaluable service. But Medicare isn’t just available to seniors; it’s also available to the disabled.

If you’re looking to learn more about Medicare insurance and who’s eligible for Medicare, this article is for you. Keep reading for five key things you need to know about this federal health insurance.

What Is Medicare?

Are you wondering, “What is Medicare?” It’s a health insurance program regulated by the federal government. Enrollment in Medicare is often determined by age and citizenship.

Medicare is often confused with Medicaid. Medicaid is health insurance available for low-income citizens. Medicare is primarily for anyone over 65 years of age or for the disabled. Check out this link for Medicare eligibility and enrollment to learn more.

It’s also important to understand how Medicare is broken down.

1. Medicare Has Four Parts

The first thing every senior needs to know is that Medicare is divided into four parts. Each part focuses on a specific type of coverage, and the cost varies.

Part A

Part A focuses on nursing care or inpatient stay in a hospital setting. On average, most people pay $0/month for the premium, but it can range as high as $499/month if an individual doesn’t qualify for free coverage. The deductible in 2022 is roughly $1,500.

Part B

Part B isn’t free; premiums start around $170/month. The deductible is roughly $230. Part B covers doctor visits and preventative care treatment.

Part C

Part C encompasses Parts A and B but includes dental, vision, and hearing. Premiums are included in the cost of Part B, plus private insurers billing their premium. However, some plans may only cost $0.

Yearly out-of-pocket can be upwards of $7,500.

Part D

Part D covers prescription drugs. This includes generic and name-brand prescriptions. The monthly premium varies from insurer to insurer, but most people pay $33/per month.

2. Age Restrictions

Qualifying seniors must be at least 65 years of age. However, you can take part in Medicare enrollment three months before you’re 65th birthday.

For anyone suffering from a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s disease), Medicare can be provided earlier than your 65th birthday.

3. Income

Does income affect a senior’s Medicare enrollment eligibility? No.

But it does affect the premium, as discussed in Parts B and D. The more you make, the more you’ll pay. This is known as the “income-related monthly adjustment amount”.

While Part B covers doctor’s visits, it also covers extras such as physical and occupational therapy. On average, the government pays about 75% of these services, with you being responsible for the other 25%.

However, if you have a higher income, you may be responsible for more. This percentage is based on what you report to the IRS every year. Your premium may be anywhere from 35 to 85% of the total cost.

4. Citizenship

Citizenship affects your ability to obtain Medicare. All US residents qualify for Medicare if they meet the following qualifications:

  • Worked at least 10 years in jobs where they (or their spouses) contributed to Medicare payroll taxes
  • At least 65 years of age

There are requirements for legal immigrants who apply for Medicare enrollment if they’re ages 65 and older. For starters, work history is taken into consideration. Without proper work history, legal immigrants qualify after residing in the US for five continuous years.

Disabled legal immigrants (non-citizen US residents) under the age of 65 qualify if they meet the same requirements as US citizens. This includes work history, contributions to Social Security taxes from income, and adequate years of Social Security taxes accrued to equal five to ten years of work credit.

Immigrants new to the US are ineligible for Medicare no matter their age. Eligibility is based on residency requirements but still follows the same protocol that US citizens must follow.

5. Work History

You may be wondering how, if, at all, work history affects Medicare enrollment. This question is important for homemakers who may not have contributed to Social Security taxes. However, they still qualify.

For starters, if their spouse is at least 62 years of age and has paid at least 10 years of Medicare taxes, they qualify for Medicare. If a homemaker’s spouse is under 62 years of age, they can still apply for Parts A and B (which is optional).

If you’re unmarried and never worked, you may still qualify for Part A, especially if you’re disabled or have certain medical conditions. You may also pay more for Medicare if you never worked, even if you’re married and your spouse has contributed. If you’re both 65 or older, you won’t be on their Medicare plan- you’ll have your own plan. 

Insurance for Seniors

It’s essential to understand that, although there is insurance for seniors, the cost varies depending on income and work history. On average, Medicare is available for anyone who is at least 65 years of age, but for those with disabilities or certain medical conditions, Medicare may be available sooner.

Medicare provides coverage for doctor’s visits, hospital stays, and various types of therapy, as well as dental, vision, and hearing However, there is still a monthly premium, as with traditional health insurance plans, as this service isn’t free. However, medical bills can quickly add up, and insurance is crucial.

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What To Wear in New Season? 4 shapewears to add on your List



What To Wear in New Season? 4 shapewears to add on your List

A new season is arriving and as always, we always want to look our best and for that, we will always be looking for something to achieve that. And of course, shapewear will always come to help us achieve our goals.

There are many shapewear styles that you can get that will bring you so many different benefits. For example, butt lifter straps, will not only give you a confidence boost but also give your butt a lift and make you look amazing.

But these are our four favorite shapewear that we believe you should add to your list to get for the new season. We know you’ll love them and enjoy them and all of their benefits.

If you are looking for a better posture, then you’ll probably want to wear a full body shaper. But that’s not the only benefit you can get from it. You’ll also get an amazing new hourglass figure and all your problem areas will be hidden showing only smooth lines.

The first one on our list is the Backless Thong Bodysuit. This bodysuit tucks your tummy and lifts your bust while also being extremely versatile. Perfect to wear under your glamorous gowns or going around your favorite cities.

It is backless, and the straps will let you adjust them to your liking. The crotch area has adjustable 3 rows of hook and eyes closures. The abdomen area has a double-layered mesh that strengthens tummy control. It can be perfectly paired with backless dresses, all types of clothing, any other outwear, dates, cocktails, partying, or even under your wedding dress.

Then, there are the adjustable Straps Tummy Control Thong Bodysuit. This one features a simple V-neckline with a lovely backless design. It has adjustable straps and a lovely figure-hugging fit. You can perfectly wear it under your outfits for the weekend and can be teamed with strappy heels and high-waist denim.

It has an elastic mesh in the bust area, which makes it perfect for different bust sizes. The hooks on the crotch area are very convenient to use when going to the toilet. And finally, the inner layers have moisture-wicking fabric that is not only comfortable but also breathable.

Next, the All Day Every Day Slimming Bodysuit is another of our favorites. This lovely bodysuit is light and breathable. It has adjustable straps that will give flexibility for different body types. It has an overlap gusset that is easy to put on and off if you need to go to the bathroom.

You won’t have to worry about panty lines as they will be invisible under your clothes, and your body will look sleek and smooth. Its 360º shaping power will target your waist, thighs, and belly while flattening your stomach and creating sleek lines. It is ideal not only to wear it in your daily life but also for special occasions.

And finally, we have the High Waisted Seamless Body Shaper. This one will work amazingly great with dresses, slim-cut jeans and also form-fitting tops. Also perfect for those who want to show off their hourglass figures. It’s definitively a must-have for everyone that wants to get amazing curves and smoother lines.

It has a seamless design, so it can be invisible under your outfits. It will smooth and control your thighs and belly. It also has an open gusset so you can easily go to the bathroom. It’s soft, comfortable and breathable, and skin-friendly while providing a seamless but highly elastic shape. It will enhance the shape of your buttocks in a 360º way, giving you sexy curves.

And finally, if you want to get a smaller waist in the long term, you can always wear a plus size waist trainer. The waist trainer will give you also a smoother figure and a smaller waist while it helps you lose some weight during the process.

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