Medicare Coverage in Oklahoma Explained
Reader’s Question:
Hello there! What is Medicare? Could you please explain to me how it is supposed to work? I live in Oklahoma.
Helen
Tulsa, OK
Hi, Helen. How old are you now? If you’re almost 65 years old, it’s time for you to know more about Medicare and when you become eligible, enroll right away. Medicare is especially for people 65 years and older. It is a federal health insurance program for Americans. This government program has many parts, the first of which is hospital insurance. This is generally paid for by employees’ payroll taxes. There is likewise coverage for physicians and their services, which is called medical insurance. People pay a premium for this which is determined by how much money they make. Finally the purchase of prescription drugs may also be covered by Medicare provided that you go to participating pharmacies. Both brand-name and generic drugs are included here.
Since this is a government program, it provides assistance to those who cannot afford health care. If it is found that you are unable to support your own medical needs, you may be exempt from paying certain fees such as deductible and even premium. It goes without saying that you must be proven to have limited financial resources. If you already have health insurance coverage from, say, a private company or from a job-based plan there in Oklahoma, you may just keep that one or enroll at Medicare in addition to the health insurance policy that you already have.
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