People who are eligible for Medicare fall into one more of the following categories: individuals 65 years of age or older, individuals with certain disabilities who may or may not be over 65 years of age and individuals with end stage renal disease/permanent kidney failure.
The reason the above individuals are eligible for Medicare coverage is because they all require more medical assistance than the average individual. For example, senior citizens are often required to attend more medical visits to ensure they stay as healthy as possible as they age.
Seniors also experience more frequent or chronic medical conditions such as arthritis, heart disease, high blood pressure and other conditions that require constant monitoring.
Similarly, individuals with a disability need extra medical care, whether that be additional out-patient care or more frequent doctors visits. Those with qualifying disabilities also do not have to be over 65 years of age, as others need to be to qualify for Medicare.
Individuals with permanent kidney failure (often called ESRD) are also eligible for Medicare because they require more frequent medical care.
Patients with end stage renal disease usually require frequent dialysis to keep their body functioning as normally as possible even while their kidneys are failing.
Without properly functioning kidneys, dialysis and other procedures are needed to help filter a patient’s blood of toxins the kidney would normally get rid of if it were working properly. In many cases, Medicare can even help pay for a kidney transplant if the insured individual is eligible for one.
Depending on your qualifications and individual needs, you can choose which Part of Medicare best suits you. You can learn more about each part of Medicare in the following slides.