What is Disability Insurance for Physicians – Different Types

What is Disability Insurance for Physicians

What is a Disability Insurance for Physicians? This is a special insurance for physicians that acts as an income source in the event of any disabling event; basically, it’s a physician income insurance that will support you and your family during your recovery time. Not every Disability Insurance for resident physicians is the same, however, as there are different types that attend different needs, so don’t expect that all insurers will provide the same services. Speaking of which, should doctors get Disability Insurance? The answer is yes. Just because you’re a doctor doesn’t mean you’re immune to ailments. This article will present you the best insurance for doctors available that you can pick today.

What is Disability Insurance for Physicians

Just like the importance of health insurance and the benefits of Medicare, Disability Insurance for Physicians is crucial to consider. In this article, we’ll delve deeper into the topic of Disability Insurance for Physicians to help you gain insight into this matter. You’ll understand what is a Disability Insurance for Physicians, how do they work, and most importantly, when can you get yours today.

What is the best insurance for doctors?

Right now, there are 3 types of Disability Insurance you can choose from:

  • Long-Term Disability Insurance. As the name implies, this insurance covers disabilities that will last far longer than a month or through age 65. The exact length isWhat is Disability Insurance for Physicians determined by your insurer, but the average is a three-month minimum.
  • Short-Term Disability Insurance. Industry professionals say this insurance covers Short-Term Disabilities that don’t last more than a few weeks; usually, no more than 3-6 months. Although this insurance has the least financial impact, it can help you access Long-Term Disability benefits later on, so it’s good to invest in a Short-Term Insurance, if the situation calls for it.
  • Social Security Disability Insurance. This one is not funded by insurers, but rather by taxpayers and administered by the Social Security Administration. This is the one we recommend the least, though, because the benefit amount is MUCH lower – not even close to your average physician’s monthly salary. Good thing is, it’s hard to qualify for this one, so don’t worry about having to rely automatically on this one.

Should Doctors Get A Disability Insurance?

Of course. If you’re a doctor and suffer a disability, you would be out of work for a good while; your financial responsibilities would not stop with you, and with your frozen income, you might get yourself into serious financial trouble.

A Disability Insurance for Physicians is a financial net that will help you pay your personal expenses if you suddenly stop receiving an income.

When to File a Disability Claim?

What’s the best time to file a physician income insurance, you ask? Simply put, right now.

Even if you’re not suffering any disability right now, your current health will become a key factor on whether or not you are eligible for coverage. As a matter of fact, it can be too late for some doctors to get one, depending on their medical records. This is why you must get a physician income insurance soon: you’re a human being, prone to accidents that may or may not happen tomorrow; better be safe than sorry.

Now, if you suffer from a disability and want to file a Disability Claim, the first thing you need to know is the timeframe in which you can do it.

As a rule of thumb, most insurance providers require a 20- to 30-day timeframe that starts on the date of the disability. In addition to this, you need to meet all qualifications stated in their insurance policy. The best thing is to get in touch with your insurer and ask them for details when filing for your claim, as to avoid any misunderstanding and to get a broader overview of their coverages.

Why do doctors need Disability Insurance?

Basically, a Disability Insurance replaces your income when you’re unable to work. It’s a financial support that prevents you from losing your house or your car, if you’re still paying for them.What is Disability Insurance for Physicians

How does Disability Insurance work?

This insurance provides income replacement benefits that tend to cover up to 60% of your average earnings. Payments are usually monthly.

Now that you know what is a Disability Insurance for Physicians you can see the importance of what it can do for you. Although we hope that you never have to depend on a Physician Income Insurance, Disability Insurance for Physicians is a great financial support that you can get right now, regardless of your health. In the long run, it will be a lifesaver. 

Types of Cosmetic Dentistry

Teeth are one of the major parts of your mouth. It not only helps to chew food properly before swallowing, but it also helps in defining the way you smile. Having properly aligned clean and white teeth can create a great impression without any doubt. If you have stains on your teeth or your teeth are discolored, chipped, misaligned, broken, worn or gaps are there, then you can try cosmetic dentistry. There are different types of cosmetic dentistry which can give you a better smile.

Types of Cosmetic Dentistry

If you are confused about cosmetic dentistrtypes of cosmetic dentistryy and how it can help you, then you are at the right place. We have listed all the types available and that you can choose. All you have to do is to choose the one which is ideal for you.

  • Teeth Whitening

Teeth whitening method is one of the least expensive and simplest ways for improving the smile. Your teeth will be bleached with some of the in-office products in the dentist’s office for just $500. You can also buy a mold or gels from the dentist for bleaching your own teeth in the comfort of your home. Even there are some teeth whitening products that are available retails in stores and you can buy over the counter. 

  • Dental Veneers

Dental veneers are customized shells made up of resin or porcelain. It is a tooth colored wafer-thin shell. This can cover the front surface of the teeth. It is bonded to your teeth by removing about a half-millimeter of your tooth’s enamel. These dental veneers can actually change the size, color, shape and length of the teeth. 

  • Dental Bonding

In dental bonding, a putty-like tooth-colored resin is applied to your tooth first and then it is hardened with ultraviolet light. This helps in bonding the material to the tooth. Your dentist can trim, polish or shape it as per requirements. Over the time, this bonding can actually decay, crack or get chipped.

  • Dental Crown

A dental crown is also called a cap which can replace the whole damaged or decayed tooth present over the gum line. This can restore the size, appearance, shape and strength of the teeth if it was not exposed to healthy conditions before. These crowns can actually help to keep the weak tooth in place. These crowns are cosmetically used for covering the misshapen or some of the severely discolored teeth. They are available in form of metal or ceramic or resin. 

  • Inlays & Onlays

Inlays and onlays are also a type of dental filling that is made of porcelain, composite materials or gold. This is used for filling the damaged and decayed teeth. The dental fillings are first molded into the place when you visit. But the onlays and inlays are created in the dental laboratory. Then they are bonded into place within the center of the tooth.

Wrapping it Up

So, these are some of the types of cosmetic dentistry that you can opt for beyond dental implants and more. Mainly the dentist will diagnose your problem and check your dental conditions first. Then he/she can advise you about which one will be ideal for you. Thus, make sure that you’re choosing the best dentist as think of it as you would be choosing a plastic surgeon or any other type of doctor. 

How to Choose a Plastic Surgeon

How to Choose a Plastic Surgeon

The choice of a surgeon you make will mean a lot in the success of the procedure. If you make a terrible choice, you will get bad results, spend more, and put your health at risk. Settling for the best experts means you get desired results. So, if you are wondering how to choose a plastic surgeon, you are in the right spot. 

How to Choose a Plastic Surgeon

This post will help you know the things you should look for before settling on a surgeon. You will know about red flags, and how to tell when you have found the right plastic surgeon. Read on and make your choice wisely. 

  • Gauge Their Customer Service

How you get treated the first time you make inquiries or enter the surgeon’s office will have a lot to do with the quality of service you get. If you are treated with courtesy and respect, it is a sign you are in the right place. If you sense any slight lapse in customer service, you should look for help elsewhere. 

  • Ensure the Surgeon has the Relevant License and CertificationsHow to Choose a Plastic Surgeon

There are a lot of surgeons out there practicing something they do not hold accreditation for. Without background checks, you can put your life in danger. When inquiring about your cosmetic procedure, ask to make sure your plastic surgeon is board-approved. It is an assurance that the person you are about to trust with your health knows precisely what they are doing. You are also sure that you will get the best results without any adverse consequences in the future. 

  • Choose a Surgeon Who Makes You Feel Safe

If the surgeon and staff are making you uncomfortable, it is not the right place to be. Plastic surgery is a procedure that you should feel safe and comfortable. You should feel at ease when you are with the surgeon. It should also be easy to ask questions and get the right answers. Trust is very critical when you are about to get a cosmetic procedure done. When you feel you are not in the right place, you have no business being there. 

  • Confirm that the Surgeon has Substantial Experience

The cosmetic surgery field is wide, which means there are numerous types of plastic surgery procedures. Some specialize in bony tissues, while others deal with soft tissues. Insist on someone who is experienced in surgery and has tons of experience in cosmetic procedures. A surgeon who has done 50 or more procedures like yours will be in a better position to guarantee you better results than anyone who is just starting. They will also be able to walk you through what to expect, such as the amount of swelling after surgery.

  • Get a Look of the Facility

An experienced surgeon should have a fully-equipped facility. It should have all the necessary equipment and operation rooms. They should have equipment for emergencies, just in case anything goes wrong. 

To Summarize

Knowing how to choose a plastic surgeon is not easy. There are various considerations you have to make. Do not be in a hurry to make a decision. As long as you follow the tips in this post, you will have the best surgeon at your service. 

How do I Sign Up for Medicare Part A

How do I Sign Up for Medicare Part A

When the time comes for you to enroll in Medicare, you have several options. While Medicare enrollment is automatic for some people, for others, it often depends on when and how they become eligible. You’ve probably asked yourself the question: how do I sign up for Medicare Part A?

How do I Sign Up for Medicare Part A

This post discusses how to sign up for health insurance with Medicare Part A and how you become eligible. We’ll cover how you qualify for automatic enrollment, as well as the need to enroll manually.

How to Enroll in Medicare

You can enroll in Medicare part A in the following ways:

  • In person at your local Social Security office.
  • By calling Social Security at 1-800-772-1213 .
  • In-person at your local Social Security office.
  • If you worked at a railroad, you can enroll in Medicare by contacting the Railroad Retirement Board (RRB) and speak to an RRB representative.

When to Enroll in MedicareHow do I Sign Up for Medicare Part A

  • There are several situations where Medicare enrollment may occur automatically:
  • If you are receiving retirement benefits.
  • If you’re already collecting Social Security or RRB retirement benefits when you turn 65, you will automatically be enrolled in Medicare Part A (hospital insurance).
  • If you live in D.C. or outside the 50 United states such as in Puerto Rico, you’ll automatically be enrolled in Medicare Part A. However, you’ll have to manually enroll for Medicare part B.
  • If you’re receiving disability benefits.
  • If you’re under the age of 65 and receiving certain disability benefits from the RRB or Social Security, you’ll be automatically enrolled in Original Medicare, Part A and Part B, after 24 months of disability benefits. The exception to this rule is if you have end-stage renal disease (ESRD). If you have ESRD and you need regular kidney dialysis or had a kidney transplant, you can apply for Medicare. If you have amyotrophic lateral sclerosis (also referred to as Lou Gehrig’s disease or ALS), you’ll automatically be enrolled in Medicare in the same month that you start receiving disability benefits.

Medicare Initial Enrollment Period (IEP)

Most people are enrolled in Medicare Part A automatically. However, there are a few instances when you may be required to manually enroll in Medicare Part A during the IEP, which is seven months (starting three months before you turn 65 and ending three months after your 65th birthday).

Some situations where you would be required to enroll for Medicare during your initial enrollment include:

  • Medicare general enrollment period.
  • If you don’t qualify for retirement benefits.
  • If you aren’t receiving retirement benefits.
  • Medicare special enrollment period.

Bottom Line

Medicare can be quite beneficial. The tips mentioned should help you answer the question: How do I sign up for Medicare Part A. It’s always to your benefit, however, to enroll as soon as you’re eligible, even if you still have Medical cover through a group health plan. Moreover, Medicare can impose hefty fines for late applications, so make sure you enroll during the enrollment window.

Helping Child Adjust to Preschool

Helping Child Adjust to Preschool

Many children struggle to adjust during their first few weeks of school. It can be frustrating and heart wrenching to leave your child sobbing when you leave them at school each morning. Over time, your child will adjust and even have a great time without you but here are a few tips on helping child adjust to preschool and make the transition a bit easier on both of you.

Helping Child Adjust to Preschool

Parents play an important role in helping their child grow. From reading to your children to allowing them to socialize, preschool offers a great platform for children to grow. That is why it is important for children to adapt well to pre-k education. Helping Child Adjust to Preschool

This article points out a few tips and tricks you can use to help your child adjust to preschool. The tips help to ease the separation anxiety and make it easier for both of you to move on with the next chapter of your child’s life.

Prepare Yourself for Leaving Your Child at Preschool

Children will often pick up on non-verbal cues, and they’ll sense your uncertainty and anxiety about the teacher, classroom or decision to leave him/her at school. The trick is to be confident and try to be calm. Preschool is a great place for your child to learn, develop and grow.

Create a Consistent Routine

Children like it when they know what to expect and what’s expected of them. They thrive on routine. Create a consistent morning routine. For instance, you can start by having breakfast, packing snacks and lunch, preparing for school, leaving home and greeting the new teacher before saying bye to each other.Helping Child Adjust to Preschool

Make a Prompt Departure

For the first few days, you can hang around a little longer to help your child feel comfortable and safe and help ease their anxieties about the new environment. Once your child has a few weeks under his/her belt, start saying your prompt goodbyes. Give your child a loving kiss or hug, assure them that they’ll have a good time and that you’ll be back with them shortly before leaving promptly. After a few days, your child will get accustomed to how the separation plays out. Avoid sticking around to comfort them as that only makes saying goodbye tougher.

Don’t Sneak Out

Sneaking out without saying goodbye with the hope of avoiding a meltdown or tearful farewell only makes the separation worse. The last thing you want is your child feeling tricked or abandoned. It also helps if they know what to expect, including a loving goodbye.

Involve the Teacher

Talk to your teacher about your child’s anxiety to leave you or reluctance about going to school. The teacher is likely to know how your child feels and will be ready to provide extra comfort and help you with the separation. Preschool teachers are highly experienced and well trained in dealing with separation anxiety and will often have activities ready for your child.

Bottom Line

Being away from a parent and starting school is often a tough transition for both children and parents. While kids will always adjust at their own pace, the tips mentioned on helping child adjust to preschool can come in handy. Think about creating a preschool checklist to also help you stay on track. Try to be patient, consistent and reassuring as that will help your child embrace a rewarding new experience.

Dental Implant vs Dental Bridge

A missing tooth literally takes away your smile. You don’t feel confident when you smile anymore. However, with dental replacements, you can now afford to claim your flashy smile back. Before you are back to smiling, you have to face the question of dental implant vs dental bridge. Which one is best for you?

Dental Implant vs Dental Bridge

In this post, you get all answers about dental implants and dental bridges. You will know which is right for you as well as other considerations you should make. 

Weighing Your Options for Both

In the recent past, the only option for those who have lost their teeth was dental bridges. To get it done, the adjacent teeth have to be carved off its enamel to create room for the bridge. Conversely, dental implants only affect the specific tooth. There is no touching of the next tooth. The results are permanent and a very strong replacement. 

However, when it has been long since you lost your teeth, it will need some preparation before an implant. This is because both the bone and gum will not be in perfect shape. On the advantages of each of the procedures, your dentisdental implant vs dental bridge t is in the best position to make recommendations on which route to take and how to prevent any infections from happening afterwards. 

A Shift in Oral Care

When you get an implant, your oral care routine will not change. You will be brushing and flossing just like you have your natural teeth. The shift in care comes when you get dental bridges since they affect more than one tooth. You will have to be more careful when you brush and floss as your dental health can affect your overall health

Your dentist will advise on what you have to do. Some of the requirements are a specific type of toothpaste and special-bristle brush. 

Time of Service

Implants will be at your service for a lifetime. They are from titanium, which is durable and resistant to decay. The implant becomes part of your natural tooth. On the other hand, dental bridges only last for not more than 10 years. The bridges are not designed to become one with your natural teeth. Therefore, they will decay and are susceptible to failing. 

The Aesthetics

You would want your new teeth to fit in just like the natural ones. There is no guarantee of getting close to natural aesthetics, but your prosthodontist or dentist will assess your case and do what they can. Implants are easy to imitate your natural teeth if the replacement is done as soon as you lose your tooth.

The Cost Question

Dental bridges will win the cost contest any day. They cost less, but you will have to replace them after 10 years. You should think about recurring costs. Dental implants are expensive, but you will have them for a lifetime. Currently, health insurances are only covering a portion of the replacement costs and you can also look into if your Medicare coverage will cover it. Make sure you weigh out both options so that you can be ready for the expenses.

Bottom Line

So, what is it going to you about dental implant vs dental bridge? This is a personal choice whether it be for your kids or for yourself. Hopefully, this post has been of help in pointing you to make the right choice. 

 

Long Term Benefits of Preschool

According to various research findings, the long term benefits of preschool cover both social and cognitive development. The first five years of a child’s life is characterized by rapid brain and behavioral development; investing in quality preschool or early learning programs can have significant benefits to a child’s later development. 

Long Term Benefits of Preschool

This has been a subject of great debate, especially among scholars and researchers in this field. While there are arguments for both sides, evidence continues to show that there are numerous benefits of preschool education.

Determining the long term benefits of preschool can be rather complicated but an increasing body of evidence has shown that these programs help to reduce achievement gaps by improving school readiness.

Pre-school years are a critical period when a child develops foundations for thinking, emotional wellbeing and behaving. Pre-school, where the child learns primarily by playing, encourages language and pre-literacy skills, fosters creativity and imagination and develops their social and emotional skills.

Impact on socialization

According to a recent study, children who received a quality early education were found to have better long term social interaction skills, emotional maturity and appropriate behavior. The early introduction gives them an opportunity to interact with their cohorts from diverse backgrounds and form positive relationships with their educators.

Improved performance

Additional research suggests that quality preschool programs boost cognitive development and that children who attend these programs for three or more years perform better in Year 4 reading, mathematics and science. The evidence also reports higher literacy levels and numeracy Long Term Benefits of Preschoolunderstanding in children aged between 11 and 16.

Lower risk of developing learning difficulties

Research results also indicate that children who have access to quality preschool education have a reduced need to access special education in their later years.

Grade retention

Another research study shows the link between the benefits of boosting academic performance through the early years and the ability to retain grades in later school years. This study examined the long term effect of a particular preschool program on the performance and grade retention of its former students in their middle school years. Those who were held back a year before joining pre-school were less likely to perform well academically. 

Attendance and completion rates

Evidence also suggests that children who have access to quality preschool programs are less likely to have class attendance issues and more likely to complete school.

Bottom line

Based on the research findings, there are several long term benefits of preschool. The quality, as well as the amount of early learning that a child participates in, can have a significant impact on the child’s long term social and cognitive outcomes. These structured programs, led by top educators in play-based learning environments go a long way in laying the critical foundation for how a child thinks, behaves and how healthy they are emotionally.

Swelling After Mommy Makeover

Temporary numbness, bruising and swelling are common the first night after surgery. Drink plenty of fluids to keep up with loss of fluids. And as your body works towards shedding off the extra water weight from fluids you were given during surgery, everything will return to normal. Your surgeon will also likely give you some pain medications that you’ll take the following day after surgery. Here are a few tips on how to reduce swelling after mommy makeover.

Swelling After Mommy Makeover

Tummy tucks, breast lifts and liposuction are all common surgical procedures. Mommy makeovers are a cosmetic surgery that helps your body look how it did prior to pregnancy. 

A Day After Surgery

The next day following your surgery, you’re likely going to see your surgeon for your first post-op visit. You need to leave all dressings and garments intact overnight until the following day when operative sites will be evaluated and dressings changed. After the examination, the surgeon will place you back into your compression garment and allow you to return home or to your recovery retreat.

Here are some of the instructions your surgeon is likely to give you after the surgery.Swelling After Mommy Makeover

Dressings: Your doctor will give you special instructions for changing your dressings and showering. If you had liposuction, for example, the chances are you will have a few sticky tapes covering the liposuction incisions. These tapes will not require dressing changes and you’ll be asked to ensure the tape stays dry and intact until after a week when it will be removed.

Diet: Most patients start the night after surgery with a liquid diet before resuming a normal diet the next day.

Medications: Some discomfort, swelling and bruising are normal immediately following the surgery and your doctor will likely prescribe some pain medication. Unless you’re permitted by your doctor, don’t take any other pain medication such as aspirin or Tylenol in combination with your prescribed pain medication. You should start your antibiotics the morning after surgery and continue them for the prescribed period.

Surgical Garments: You’re likely to wear a fitted compression garment and/or an abdominal binder for the first week after surgery before it’s slowly weaned out during your second week of recovery. It’s crucial to follow specific instructions about wearing your garments. For instance, you may be required to wear your garments round the clock for the first seven to ten days and 12 hours for the subsequent seven days.

You may be allowed to remove the garment for an hour and replace it after showering.

Bathing: You’re generally allowed to shower and bath the next day after surgery which requires the removal of compression garments. However, be careful not to get the sticky tapes overlying the incisions wet as that may cause them to peel off prematurely.

Bottom Line

A week after surgery, you may start to notice a weight increase. Don’t be alarmed as this may be due to swelling and added water weight. Swelling after mommy makeover, therefore, is quite normal and shouldn’t be a cause for worry. Compression garments help to minimize swelling and bruising during the recovery process. The swelling may last for months but it’s only temporary and your weight should be back to normal once the swelling has disappeared.

Healthy Tips For Kids – What to Consider

Are you looking for some healthy tips for kids? Namely, what should they eat? Well, maybe the most obvious answer would be to simply give them healthy food for kids, but did you know that general health tips go beyond a simple healthy daily diet? Nowadays, attitude is just as important as your food. It has become the game changer. Diet? A complement.

Healthy Tips For Kids

How Can I Make My Child Develop a Healthier Lifestyle?

First of all, it’s hard to encourage a child to follow a healthy daily diet, so just setting up a routine will not work. Secondly, contrary to what you might think, your attitude has a greater impact on your child’s lifestyle, so from now on, the first one to make the change must be you. Your kids, we promise, will soon follow.

 

How Does My Participation Affect My Child?

We know that, because of your job or other things, you might not always be there to ensure that your child is eating properly. However, obesity among children is growing and many no longer lead an active lifestyle; therefore, parents should be more aware of what their children are into. This is why the first person to lead a healthy lifestyle should be you. Children imitate their parents, so you have to set a good example with the following general health tips we’ve prepared for you.

 

Ten Tips for Healthy Diets for Kids

  1. Breakfast. With just breakfast, be it a fruit or just a glass of milk, human bodies can work throughout the day. Establish with your children the habit of eating a good daily breakfast.
  2. Healthier Snacks. Avoid sweets, cookies and such if your kid craves for a snack. They’re low in nutrients, high in calories and sugary. Replace them with fruits, unsalted nuts, unsweetened yoghurt and ever air-popped popcorn, and make sure they’re on their reach.
  3. Water. Water should be from now on the drink for every mealtime. Juices have valuable nutrients, yes, but kids must prioritize water when thirsty, as not all juices available are natural and unsweetened. Sweet drinks must be occasional treats from now on, as well.
  4. Grow Your Own Food. Aside from being a fun activity, growing your own veggies will raise the children’s interest in the food they grow. Always bring them along to help you plant and pick some veggies (by the way, if you don’t have a garden, a window box will suffice).
  5. Family Mealtime. Don’t eat in front of your television, on your desk or simply alone. Encourage your family to eat together at the dinner table every day. Not only will it reduce snacking: it’s a good start for your child to start socializing.
  6. Cook with Kids. Invite your children to the kitchen when you prepare your meals! Give them aprons, assign them tasks … They will feel more curious about their meals and be more open to them. And as they grow up, they could start cooking for the family too!
  7. Eat Slowly. Don’t rush it! Eating slowly controls your weight. We all want our children to finish their meals as soon as they can, but it’s also important for them to chew their food properly. They will feel full sooner.
  8. Creativity Matters. Have you ever done a happy face with two egg yolks and a curved bacon piece? Well, now try with fruits! Cut them, chop them, combine colors, make shapes… Make food a treat for the mouth and for the eye too!
  9. Know When to Stop. Children know when they’re full, but parents must also know if they’ve eaten the right quantity of the right foods. Teach your children to ask themselves about quantity (“Is my tummy full?”) and also quality (“Will I get sick if I eat those cookies too?”) so they can develop self-awareness.
  10. Never Give Up! Most children need to try something new several times before they like it, so don’t be afraid to introduce them to new flavors. Let them choose something new (but healthy!) in the grocery store and congratulate them when they taste a new flavor.

 

What should a child’s diet consist of?Healthy Tips For Kids

Proteins and fruits. Seafood, meat and poultry, eggs, beans, peas, soy and everything unsalted are good starts for protein. And as for fruits, everything is OK, if it is not juice (it might have sugar).

 

What can I give my child to boost immune system?

More fruits and veggies at the dish are a good start. However, you must also increase the sleeping time, exercise together, banish all kinds of smoking… This case goes beyond simple eating habits.

 

What is the healthiest lifestyle?

You must develop a physically active lifestyle, while increasing grains, lean proteins, and veggies and fruits into your diet. From now on, avoid junk food and saturated and trans fats.

 

Now you know: healthy food for kids is not enough to make your children develop a healthier lifestyle: you must set the example by setting yourself a healthy daily diet routine. We know it’s hard to apply these healthy habits for kids because children can be a bit hard to handle, but if you follow our general healthy tips for kids, we promise you that you’ll see results soon!

 

Can I Get Medicare Through My Spouse? – Your Questions, Answered

Medicare is surely one of the most important aspects of life, especially when one gets a bit older. But many people wonder, can I get Medicare through my spouse? Well, even if you have not served the 40 calendar quarters of work during which you had to pay SST (Social Security Taxes) in the United States, but your spouse had done it, you will still be eligible for Medicare. You will be able to enjoy a premium-free Medicare Part A just based on the work history of your spouse. This is only possible when you turn 65. But one thing that you have to know is that if you have any disability before you turn 65 and you do not have enough work history, then you will not qualify for SSD (Social Security Disability) based on the work history of your spouse.

Can I Get Medicare Through My Spouse?

If you’re wondering, “Can I get MedicCan I Get Medicare Through My Spouseare through my spouse?” then some important things to know include that you can if your spouse meets the eligibility criteria. 

Important Things to Know

As important as Medicare and health insurance is, there are some important aspects that you have to know when applying for Medicare. There are many if’s and but’s to the entire Medicare program through your spouse. You can be eligible for the a premium-free Medicare Part A based on the work history of your spouse after you turn 65 but there are some conditions. They include:

 

  • Current marital status: Your current marital status must be married and your spouse must be eligible for the SSB (Social Security Benefits). Also, you must be married for at least a year before you apply for Medicare.
  • If you are divorced: Even if you are divorced and your previous spouse is eligible for the Social Security benefits. Before the divorce, you must be married for at least 10 years and you must be single now.
  • If you are widowed: Also, if you are widowed and you were married for at least 9 months before the death of your spouse, you will be eligible for Medicare. Although you must be single at the time of applying.

 

All of these are the conditions that are applicable for getting Medicare through your spouse. But you have to be aware that there are some exceptions to the aforementioned eligible rules. If you are still confused about your eligibility for the premium-free Medicare Part A, then you can call the Social Security Administration. Their official contact number is 800-772-1213. Also, be aware that there are different programs for Medicare and same may or may not cover surgery. In case you are a railroad worker, then you need to contact the local Railroad Retirement Board field office. 

Conclusion

So, if you were wondering, “Can I get Medicare through my spouse?” then the answer is yes. For further details, you can contact the officials or the contact number given above. This will help you to get your all questions and queries answered. You need to check the aforementioned facts to make sure that you are eligible for Medicare and the health insurance that it provides. In case there is any kind of queries or questions, you can contact the help-desk. They will always be there to help you and answer all your queries related to the benefits of the Medicare program