welcome to medicare mini course day one i'm keith armbruck founder of medicare on video and i help
people across the country make the right medicare choices and it's become completely evident to me
that our brains just can't absorb so much of this medicare stuff all at once so what i've done is
i've broken it down into pieces and we've put it into a mini course so it's going to make it very
easy for you to kind of take it at your own pace so you can understand everything that you need
when you're coming into medicare or even if you're already into medicare so you can find
this mini course right on my website if you go to medicareonvideo.com forward slash mini dash course
it's going to bring you right to the page that has everything on it and then you can go
at your own pace right now we're gonna go over original medicare so this is day one and when
we're talking about original medicare what we're talking about is medicare part a and medicare part
b those are the two kind of pillars of original medicare and how they function and i really don't
know why they break it into separate parts because if you have regular health insurance right now
part a and part b would pretty much be your regular health insurance so but under medicare
part a is stuff that happens inside the hospital so it's your room and board when you're in the
hospital falls under your medicare part a things like inpatient hospital care skilled nursing
facility when you are qualified to receive that nursing home care hospice care home health care
usually includes a semi-private room meals medications nursing and lab services again while
you're in the hospital and part a carries its own deductible separate from part b so that's also
something very important that we'll get into as we continue the course when we get to the part on the
costs of medicare so you want to obviously look forward to that coming along so medicare part b
is things that happen outside the hospital so it's really kind of that simple a is in the hospital
b is outside the hospital so things like outpatient surgery would fall under medicare
part b medically necessary services preventative services doctor visits outpatient care preventive
care home health care durable medical equipment if you need things like crutches or a wheelchair
mental health services and clinical research so stuff that's going on without being admitted
into the hospital so if you go to a doctor or a specialist or an outpatient center
or you get medical equipment that's going to fall under medically necessary services
that's going to be covered under part b and again part b has its own deductible also has its
own co-insurance so you need to understand how it functions from a cost and out-of-pocket standpoint
when you're making your way through medicare now how medicare works with when you start is your
medicare application if you're drawing your social security benefits so if you've elected to take
social security before you're medicare eligible generally at 65 so if you start social security at
64 it's going to start automatically because they assume that you are no longer working so you need
medicare to start when you turn 65. so it's going to kind of start automatically however don't take
it for granted make sure that you get the card in the mail that shows your enrollment dates
also if you work and have benefits from the railroad then it's going to work the same way
as social security now when you must apply as if you have not started your social security
so if you're turning 65 and you want to come into medicare you need to contact social security in
order to start your medicare part a your medicare part b if you are continuing to work past age 65
and you have you're working for an employer that has more than 20 employees
and you want to stay on your group coverage you do not want your medicare to start you absolutely
do not want your medicare part b to start so make sure you understand that and again we help with
all this so if you have any questions just give us a call send me an email i'm happy to help with
any of the parts of medicare that may come up that may be confusing which will be quite a few
so we're here to help so this concludes day one of the mini course you can see we have
day two three four and five to go so make sure you look for the next video and i hope you find
this helpful and if you do really helpful to me if you leave a comment below the video
because that helps get it to more people the more comments we have the more youtube shows
it and it just helps us get it to more people so i hope you found this helpful have a fantastic day
you