Is Medicare really necessary? This may be something you have asked in the past.
If you don't know anything about Medicare, just ask any one of the millions of senior Americans who depend on it for their health care. This is the time they need it most and without it, they would be in dire straits.
It is critical that every older American has access to a health care program that takes care of their medical needs in their 'golden' years. Keep this in mind: you will need Medicare someday and you will be grateful there is such a program.
Medicare is essential to not only the older citizens, but also to the more than 8 million disabled people living in this country. Without it these people would have nowhere to turn. Even if you have a substantial income, sooner or later, you will enrol in Medicare.
Because the government takes care of the elderly and disabled the younger generation do not have to carry the burden as loved ones get older or sick. It eases the financial burden on them and ensures their parents and loved ones are taken care of health-wise.
Unfortunately, the cost of health care is rising steadily as Medicare struggles to insure many more people. The future of Medicare is unknown and the government must find a way to guarantee that every single American will be covered when the time arises.
People who rely on Medicare are going to find challenging issues to face should the future remain uncertain, and those who are approaching Medicare age will be sorely affected as well. So yes, Medicare really matters.
People who are covered by Medicare are called beneficiaries, and Medicare covers their medical expenses, but not every bit of it. Acute conditions are covered if the patient is expected to make a recovery, but unfortunately it does not usually cover at-home care. There are also gaps in prescription coverage for patients who have a chronic disability or long term illnesses.
To our knowledge, medicare does not cover private treatment for issues like addiction, private addiction clinics, or alcohol rehab facilities.
Even so, Medicare is essential and the future would be far gloomier for Americans without it. Yes, there are drawbacks and disadvantages but one has to take the good with the bad when it comes to Medicare coverage.
Now is the time to decide what type of coverage you are going to want once you turn 65. You must also keep in mind that Medicare supplemental policies also consider the previous state of your health. Be prepared to answer health questions about pre-existing conditions that may be a deterrent to you getting supplemental coverage.
So, in the end of it all Medicare is a necessary program no matter how you look at it. Whether it ends up being run by the Federal government or by individual states, you still have to have this program whether you like it or not. It is one of the things in life that can be counted on. As you draw closer to 65, you will (or should) begin to realize that Medicare can be a life-saver.