New Jersey Medicare: The Importance Of Ensuring Optimum Health

How important is Medicare? For residents of the state

, New Jersey Medicare provides unwarranted contribution to promoting optimum health for every family without the cost required by other health insurance.

The phrase "health is wealth" may be a clich but it is nevertheless true at all times. From state to state, we hear stories of families losing everything they"ve worked hard for, including their savings and sometimes even their homes, because a member of the family got sick. The truth is, these stories could have been prevented if the family had Medicare or any other health insurance. With the unending and rapid rise in medical and pharmaceutical costs, your savings are at risk when one encounters a major illness. Amid this, New Jersey Medicare offers great solution.

Medicare is a national social insurance program administered by the U.S. federal government. It is a federally funded medical plan that caters to Americans who have reached the age of 65, or those that have certain medical conditions. New Jersey Medicare offers medical services like medical care, prescription drugs, and visits to specialists at little to no cost.

Like the rest of the country, New Jersey Medicare is aimed at individuals that need it the most: the elderly that live on fixed incomes and those that have disabilities that prevent them from working and earning enough. Your New Jersey Medicare also protects senior citizens from paying expensive amounts for their own medical treatment.

New Jersey Medicare has four parts. Part A is Hospital Insurance. This helps pay for hospital stays including meals, supplies, testing, and a semi-private room. Physical and speech therapy that are deemed medically necessary and provided on a part-time basis are included in this part. In addition care in nursing facilities and certain medical equipment like walkers and wheelchairs are covered in Part A.

Part B is Supplementary Medical Insurance. This includes coverage for medical checkups, at home health care, diagnostic exams, use of ambulance, blood transfusion and some chosen vaccinations, among others.

Part C is the Medicare Advantage Plan. This plan allows users to design a custom plan that will suit their medical needs better. Private insurance companies are enlisted to provide some of the coverage. When Medicare recipient signs up for a Medical Advantage Plan or other Medicare health plan, he or she becomes eligible to receive prescription drugs for free.

Part D is administered by one of several private insurance companies. These plans cost differently from other plans and have its own benefits and list of drugs.

New Jersey Medicare offers workers a chance to allot only a small portion of their salary spread over a period of time and deducted from every pay check. In return, they receive benefits in much larger amounts as they need them. It acts similarly to a health savings account that is separate from your usual health insurance plan. New Jersey Medicare is a convenient way of protecting one"s self and family without the disabling costs that usually come from caring for the old and/or disabled.

Are you currently enjoying the benefits of a New Jersey Medicare today? If you haven"t, then it"s time to make the right move. Choice One Benefits Solutions is an independent full-service insurance agency that caters to New Jersey residents looking for assistance in purchasing New Jersey Medicare plans. Choice One Benefits Solutions helps individuals, families, and small businesses find the best health and life insurance. If you are looking for a dependable and trusted insurance company for you and your family"s health protection, contact Choice One Benefits Solutions today!

by: Andrew Dascoli

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