Many seniors in Detroit would be lost without Medicare. The federal insurance program covers hospitalization, outpatient services, and lab tests among other services. Detroit houses several resources to help you learn more and enroll in the program.
Medicare is broken up into four parts referred to as Parts A, B, C, and D. Part A is your hospital insurance and covers hospitalizations, home health care, skilled nursing care, and hospice. You will not be charged a monthly premium if you worked and paid Social Security taxes for 40 calendar quarters (10 years).
Part B is your medical insurance and covers your appointments, lab tests, x-rays, ambulance services, durable medical equipment, and mental health care for a monthly premium.
Part C includes HMOs and PPOs that make up the Medicare Advantage Plans.
Part D is your prescription drug insurance that covers your medication at the outpatient and retail pharmacy. The third party insurance companies charge a monthly premium and you are expected to pay a small copay at the pharmacy depending on the insurance company and plan.
In 2014, there were 1.84 million Medicare beneficiaries in Michigan.
The average Medicare beneficiary age in Wayne County is 69.
Of the total Medicare spending, 42 percent goes toward inpatient care in Wayne County.
9 percent of Medicare spending in the county goes toward skilled nursing.
8 percent of Medicare spending in the county goes toward home health care.
Seniors age 65 and over or individuals with certain disabilities are eligible for Medicare and Social Security benefits. Since there are only 10 Medicare regional hubs in the U.S., the Social Security Administration (SSA) office can help you with your Medicare questions, enrollment forms, or replace a lost or damaged Medicare card.
There are several SSA offices in Detroit. You can call the toll-free phone number at 1-800-772-1213 to find the office closest to you. The following are a few SSA offices in the Detroit area that are open Monday through Friday from 9AM to 4PM with the exception of Wednesday’s hours of 9AM to 12PM. Detroit Social Security Office Michigan Avenue Detroit, MI 48226
Detroit Social Security Office 19251 Mack Avenue, Suite 200 Detroit, MI 48236
Detroit Social Security Office 26840 W. Seven Mile Road Redford, MI 48240
To avoid paying too much out of pocket expenses, you should locate physicians and other health care professionals that accept Medicare. You can use the search tool at the Medicare Physician Compare to find the contact information for 134 family practice physicians and 18 geriatric care health professionals in Detroit. You can also expand the search to include all of Wayne County or parts of Michigan.
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