Kansas Medicare Insurance is a federally funded program that offers health care coverage to qualified beneficiaries over the age of 65. People with disabilities may be eligible for it as well. In Kansas, state programs are available to Medicare beneficiaries who need assistance.
Medicare offers health insurance coverage and it’s divided into 2 main parts. Medicare Part A covers inpatient hospital care along with other types of care in similar facilities. Medicare Part B includes coverage for medical services and durable equipment, including preventive services such as screenings and immunization. Together, Medicare Part A and Part B are known as Original Medicare.
Most who qualify for Medicare Part A do not have to pay a premium, as it can be free when the beneficiary has gained at least 40 Social Security credits. Each year a worker has been employed and paid taxes, they gain 4 such credits. However, some may have to pay a premium for Medicare Part A if they have not earned the necessary credits.
On the other hand, Medicare Part B normally requires a monthly premium. The amount of this premium depends on the annual income of the beneficiary. The lowest income level requires a monthly premium of $134.
Some private carriers in the state of Kansas have been approved by Medicare to offer alternative Medicare plans. These start off with the Medicare Advantage Plans, which are also known as Medicare Part C. These plans combine the coverage options available in both Medicare Part A and Part B. These may also include coverage of other health care services that are not included in the coverage in Original Medicare.
Medicare coverage for prescription drugs are plans known as Medicare Plan D. A plan like this can be purchased to add to the coverage of Original Medicare.
Other supplemental plans offer additional benefits and can be purchased to also add to Original Medicare. These include plans for additional coverage, as well as plans that cover deductibles and coinsurance amounts required for Medicare Part A and Part B.
Kansas Medicaid or KanCare has 3 Medicare Savings Programs or MSPs to help pay for Medicare expenses. These can cover the premiums, deductibles, or copayments for Parts A, B, and D. The level of assistance a beneficiary may receive will depend on several factors, including income and resources.
The first MSP is for the Qualified Medicare Beneficiary or QMB. The program covers the cost of the premiums for Medicare Part A, Part B, and Part D, along with the associated deductibles, copayments, and coinsurance. The monthly income limit for a single person is $1,005 while a married couple cannot earn more than $1,354 a month to qualify.
The next MSP program is for the Low-Income Medicare Beneficiary or LMB. This covers the premiums for Medicare Part B and Part D. For an individual, the monthly income cannot exceed $1,206. A married couple can be eligible if their combined income is no more than $1,624 a month.
There is also an Expanded Low-Income Medicare Beneficiary (ELMB) program that can also cover or at least reduce the costs of premiums for Medicare Part B and Part D. This program limits eligibility to individuals who do not earn more than $1,357 a month. For couples, the monthly income limit is $1,827.
The resources of the applicants for MSPs will have to conform with the limitations as well. These resources include money in savings and checking accounts as well as the value of stocks and bonds.
Medicare beneficiaries are enjoined to apply for any of these MSPs for assistance. These income and resource guidelines can change at any time.
Kansas has a free program called the Senior Health Insurance Counseling for Kansas (SHICK). This enables the residents of Kansas to get answers to questions and to talk to trained volunteers regarding Medicare and other issues regarding health insurance.
The program offers confidential counseling with real people, and provides information regarding Medicare, employment, and disabilities. The volunteers may also offer assistance with Medicare Part D and other matters concerning prescription drug coverage.
To find answers regarding Medicare and long-term care, Medicare beneficiaries can call SHICK at 800-860-5260.