Are Seniors on Medicare Affected by Obamacare?
Answer by Social Security May Be Misleading
This weeks Social Security Q&A gives good synopsis
of Medicare health coverage but not of impact on senior citizens by
Affordable Care Act
Jan. 6, 2014 In answering a question about
changes in Medicare due to the Affordable Care Act (Obamacare), Oscar
Garcia, Public Affairs Specialist with the Social Security
Administration may leave the wrong impression about the Affordable Care
Act (Obamacare) and its impact on seniors and others covered by
Medicare. Medicare beneficiaries have received many benefits from this
health care law but they do not need to coverage offered in the
clarification is offered by SeniorJournal.com in another
What is Medicare, and is it changing because of
the Affordable Care Act?
It is important to note
that people who have Medicare coverage are not affected by the
Affordable Care Act. Medicare is nota part of the
Affordable Care Acts Health Insurance Marketplace. If you are a
Medicare beneficiary, your Medicare benefits are not changing. You do
not need to replace your Medicare coverage with Marketplace coverage.
Medicare is health
insurance for people receiving Social Security who are age 65 or older
or those who have received Social Security disability benefits for more
than two years. Some people are covered only by one of the four parts of
Medicare; others opt to pay extra for more coverage. Understanding
Medicare can save you money; here are the facts.
The four parts of
Medicare are parts A, B, C, and D.
Part A (Hospital
Insurance) helps cover inpatient hospital care, skilled nursing care,
hospice care, and home health care. Most people get Medicare Part A
premium-free since it was earned by working and paying Social Security
Part B (Medical
Insurance) helps cover services from doctors and other outpatient health
care providers, outpatient care, home health care, durable medical
equipment, and some preventive services. Most people pay a premium for
Part C (Medicare
Advantage) allows you to choose to receive all of your health care
services through a provider organization. These plans include all
benefits and services covered under Part A and Part B, usually includes
Medicare prescription drug coverage as part of the plan, and may include
extra benefits and services for an extra cost. You must have Part A and
Part B to enroll in Part C. Monthly premiums vary depending on your
state, private insurer, and whether you select a health
maintenance organization or a preferred provider organization.
Part D (Medicare
prescription drug coverage) helps cover the cost of prescription drugs.
Many people pay a premium for Part D. However, people with low income
and resources may qualify for extra help from Social Security to pay the
premium and deductible. To see if you qualify for extra help visit
Most people first
become eligible for Medicare at age 65, and there is a monthly premium
for Medicare Part B. In 2014, the premium for most people is $104.90,
the same as it was in 2013. Some high-income individuals pay more than
the standard premium. Your Medicare Part B premium also can be higher if
you do not enroll when you are first eligible, also known as your
initial enrollment period. There also is a Medicare Part B deductible of
$147 in 2014. For more information about Medicare Parts A, B, C, and D,
My parents recently moved into a retirement
community and they are signing their house over to me. Can I still get
Supplemental Security Income (SSI) or will home ownership make me
You can own a home and still receive SSI as long as
you live in the home you own. In most cases, when determining SSI
eligibility we do not count as a resource the home you own and live in
or the car you use. For more information about SSI and Social Security,
visit www.socialsecurity.gov, or call us at 1-800-772-1213 (TTY
Oscar Garcia is a Public Affairs Specialist with
the Social Security Administration. You can direct your questions to him
at: SSA, 411 Richland Hills Drive, San Antonio, Texas, 78245. You can
also email him at Oscar.firstname.lastname@example.org.
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