Few things are more frightening for Texas residents who are disabled or age 65 or older than losing their Medicare benefits. Yet, several situations could leave you without insurance. Depending on the type of plan you have, you could lose your benefits for any number of reasons. Here is what you should know.
Understanding Medicare benefits
Medicare isn’t a single plan but has four distinct parts. Medicare Part A covers hospital visits, while Part B covers doctor visits and associated costs. Because Pats A and B only cover 80% of costs, most people buy Part C insurance covering the remainder of the expenses through private insurers. Medicare Part D pays for prescription drug costs also available through private insurers.
Reasons for losing your Medicare benefits
Some reasons for losing Medicare benefits can involve changing circumstances and are easily fixed. However, others are more serious and may require a Medicare termination defense to prove that you shouldn’t have your policies taken away. Among the reasons you could lose your benefits are:
• You no longer have a qualifying disability if you are under 65
• You don’t pay your plan premiums
• You move outside the coverage area of your private plan
• Your plan has been discontinued
• You lied or provided misleading information on your application
• You committed Medicare fraud
Navigating healthcare red tape
While you may easily find another Medicare or health insurance plan before yours terminates, the situation may not be so easy if you have been accused of misleading information or fraud. Understanding the healthcare system is difficult at best and impossible for other. Cutting through the red tape of applications may also have inadvertently caused you to incorrectly answer some questions about your conditions or other essential information.
An accusation of fraud can be more complicated and requires an aggressive defense. Always keep thorough records of your conditions, treatments, and other pertinent information to back up your claims to prove that no fraud or misinformation was involved in any Medicare treatment.