Title XVIII of the Social Security
Act, designated "Health Insurance for the Aged and Disabled", is
commonly known as MEDICARE. As part of of the Social Security
Amendments of 1965, the MEdicare legislation established a health
insurance program for aged persons to complement the retirement,
survivors and disability insurance benefits under Title II of the
Social Security Act.
Part A is generally provided
automatically, and free of premiums to persons aged 65 or older who
are eligible for Social Security or Railroad retirement benefits
whether they have claimed monthly cash benefits or not.
The following health care services
are covered under Part A:
- Inpatient Hospital care--- semi
private room, meals, regular nursing services, operating and
recovery rooms, intensive care, inpatient prescription drugs,
laboratory tests, X-rays, inpatient rehablitation, psychiatric
hospitals and medically necessary services and supplies provided in
the hospital. An initial deductible payment is required of
benefeciaries who are admitted to a hospital, plus copayments for
all hospital days following day 60 within a benefit period
- Skilled NUrsing Facility (SNF)
care: Coverage is provided by Part A only if the care follows
within 30 days of a hospitalizaation of 3 days or more and is
certified as medically necessary. The number of SNF days provided
under Medicare is limited to 100 days per benefit period , with a
copayment requird for days 21 through 100
- Home Health Agency (HHA) care: Home
Health care under Part A and Part B has no copayment and no
deductible. Fulltime nursing care, food , blood and drugs are not
provided as HHA services.
- Hospice care: Coverage is provided
for services to terminally ill persons with life expectancies of 6
months orless who elect to forgo the standard Medicare benefits for
treatment of their illness and to receive only hospice care for it.
Such care includes pain relief, supportive medical and social
services, physical therapy, nursing services and symptm
management.
Part B covers certain medical
services and supplies including the following:
- Physicians and surgeons
services
- Services provided by Medicare
approved practitionerrs who are not physicians, including certified
registered nurse anesthetics, clinical psychologists, clinical
social workers, physician assistants and nurse practitioners and
clinical nurse specialists in colloboration with a physician.
- Services in an emergency room,
outpatient clinic, or ambulatory surgical cancer including same day
surgery.
- Home Health care not covered under
part A
- Laboratory tests, X-rays, and other
diagnostic services.
- Most physical and occupational
therapy and speech pathology ervices.
- Comprehensive outpatient
rehabilitation facility services
- Radiation therapy, renal dialysis
and transplants and heart, lung, liver , pancreas,bone marrow and
intestinal transplants.
- Drugs and biologicals that are not
usually self administred such as HEpatitis b vaccines and
immunosuppressive drugs.
- Certain services specific to people
with diabetes
- Ambulance services when other
methods of transportation are contraindicated
MEDICAID
Title XIX of the Social Security Act is a Federal/ State
entitlement program that pays for medical assistance for certain
individuals and families with low incomes and resources. This
program , known as MEDICAID, became law in 1965 as a cooperative
venture jointly funded by the Federal and State governments to
assist States in furnishing medical assistance to eligible needy
persons. Medicaid is the largest source of fundng for medical and
health related services for America's low income population.
Scope of Medicaid services
- Inpatient hospital services.
- Outpatient hospital services.
- Pregnancy related services including prenatal care and 60 days
postpartum pregnancy related services.
- vaccines for children
- Physician services
- Nursing facility services for persons aged 21 or older
- Family planningservices and supplies
- Rural health clinic services
- Home health care for persons eligible for skilled nursng
services
- Laboratory and X-ray services
- Pediatric and family nurse practitioner services
- Nurse-midwife services
- Federally qualified health center services adn ambulatory
services of an FQHC that would be available in other settings
- Early and periodic screening, diagnostic and treatment services
for children under age 21.
States also receive Federal matching funds to provide certain
optional services.
Following are some of the most common, currently approved
optional Medicaid Services
- Diagnostic services
- Clinic services
- Intermediate care facility services
- Prescribed drugs and prosthetic services
- Optometrist services naad eyeglasses
- Nursing facility services for children under age 21.
- Transportation services
- Rehabilitation and physical therapy services
- Hospice care
- Home and community based care to certain persons with chronic
impairments
- Targeted case management services