A person's over-all condition affects his performance. Everyone is expected to be healthy because of the daily tasks that people should answer to. Workers, especially blue-collared one, need to be fit because their job relies so much on their physical and mental focus.

No matter how much he avoids it, a person can still acquire sickness, and it may have long-term or short-term effects. People get more prone to sickness as they grow older. That is why most benefits are awarded to people who are 65 years old and older.

One such benefit is the Medicare program. Medicare is a health and hospital insurance program for people who are 65 and above and for people with disability. It provides basic health care benefits to people who applied for Social Security.

Medicare started in 1966 under the Social Security Administration. It was transferred to the Health Care Financing Administration in 1977. The HCFA was established to administer the development of policies, programs, procedures, and guidance of Medicare recipients and service providers.

Like what was mentioned earlier, people who are 65 years old or older are entitled to Medicare. People with disabilities who are below 65 years old are also eligible. They may get it after collecting their Social Security or railroad disability payments for two years.

The Medicare program is divided into three parts: Parts A (hospital insurance), B, (medical insurance), and D (prescription drug). Part A covers the cost for hospital stay and some follow-up costs, B pays some doctor and outpatient medical care, and D covers some of the prescribed drugs cost.

Medicare claims are filed within one full calendar year after the medical needs were provided. But there are some important things to remember when filing a Medicare claim.

  • The pharmacy or supplier of the patient must be enrolled in Medicare. Otherwise, the patient will have to pay the entire bill for the drugs and supplies he used.

  • Patient shares the bill with the provider or supplier. The supplier will then file a Medicare claim. Medicare will pay their share directly to the provider, not to the patient.

  • If the physician or supplier does not accept the Medicare assignment, the physician may require the patient to pay most or the entire bill, on the same time that he receives the services or supplies. The physician may still file for Medicare on the patient's behalf and Medicare will pay its share to the patient.