Medicare Maine is the federal health insurance program that is available for people who are 65 years and above. In some cases, people less than 65 can also enroll for Medicare Maine if they have certain permanent disabilities or they suffer from end stage renal disease requiring dialysis or kidney transplant or Lou Gehrig’s Disease. There are different parts of Medicare Maine, namely Part A, Part B, Part C and Part D
Enrolling for Medicare Maine
Usually enrollment happens automatically when the person reaches 65 and qualifies for Social Security retirement benefits. In such circumstances, the Social Security Administration sends a welcome kit and a Medicare card by mail. This means that the person can now avail Part A of the Medicare Maine. However, if the person does not qualify for SSA benefits but has reached 65, the person can enroll for Medicare Maine using the Social Security online enrollment form.
Medicare Maine Part A
This is the hospital insurance and covers the following:
A person qualifies for this automatically on reaching 65 and availing Social Security retirement benefits. This usually does not require the person to pay a monthly premium if the person has worked long enough to pay his Medicare Maine taxes.
Medicare Maine Part B
This is the medical insurance and covers doctor’s services, medical supplies, lab tests, preventive care and outpatient care. If a person goes to a health care provider who accepts him, there are no costs involved.
Medicare Main Part C (Medicare Advantage Plan)
This part of Medicare Maine is offered by private insurance companies and will cover all the benefits of Parts A and B along with some added benefits. This plan covers certain Medicare services that are not paid for by the Original Medicare, which comprises of Part A and B. Hence, people can add these services as a part of the plan, such as prescription drug coverage.
Medicare Maine Part D
This part offers coverage for prescription drugs and can be purchased from private health insurance providers that are approved by Medicare. Medicare Maine Part D can be a standalone plan or it can be clubbed with Medicare Advantage Plan.