Independent Life

What is Medicare?

Medicare was created in 1965 when people over 65 found it next to impossible to
find a health insurance company to insure them. Medicare is offered to all americans over the age
of 65. Medicare is offered to all americans regardless of work history, national origin, or health risk.

Medicare so what is it exactly? It’s all little complicated, we are talking about the federal government
but here are the basics.

Part A – covers hospitals, nursing facilities, and home health services, home care services.

Part B – covers preventative services like doctor visits, diagnostic tests, and medical equipment.

Part C – is another name for Medicare advantage, Medicare part C is administered by private insurance companies that contract with Medicare. Part C covers everything that original Medicare
Part A, and Part B covers and covers extra benefits as well.

Part D- Medicare part D, is also called the Medicare prescription drug benefit.

Medicare costs

It’s a common misconception that Medicare is free, unfortunately, most of medicare is not free. Part A is free for most people, but some still do have to pray a premium and other addition costs as well.

With Parts B,C, and D, be prepared to pay a premium. The average part B premium is around $140 a month, with a deductible, you will pay around 20% of the Medicare-approved amount for most services
covered, like doctors visits.

How do i enroll in Medicare?

Medicare eligibility

So who is eligible?

U.S. citizens or permeant residents 65 and over, who have lived in the United States for at least five years; and you or your spouse has worked long enough and eligible for social security or railroad retirement benefits. You or your spouse is a government employee or retiree and has not paid into social security, but has paid Medicare payroll taxes while working. In some cases you can receive medicare at a much younger age, if you have certain conditions.

These are just some of the basics, for more information on Medicare and where to apply for Medicare, please call the medicare help line at 1-800-MEDICARE or visit

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  • When selecting a home care agency to work with your loved one, it is important that your family be comfortable with their caregiver. Independent Life Home Care does an excellent job matching clients to caregivers to ensure a successful working relationship. When we chose them for our mother’s dementia care, we were really impressed with the fit!

    Posted by Thomas Woodrow

    April 23, 2024

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    April 23, 2024

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    April 23, 2024

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    Posted by Bruce Long

    April 23, 2024

  • After being admitted to the hospital for so long, I just didn’t feel ready to be on my own yet. Independent Life connected me with caregivers who provided the home care I needed to manage my recovery and keep my house in order. I welcomed having someone to chat with regularly, and felt safer knowing someone was there when I was not yet back to my best self. I’d certainly recommend their home care services to anyone facing a lengthy recovery.

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    April 23, 2024

  • Dad really struggled to stay active after Mom passed, I think he felt a bit burdened by all he had to do. His caregiver stepped in to assist with household chores and to help him with his needs, and I think that made quite a difference in improving his quality of life. That companionship and mental stimulation seemed to help him carry on, doing the things he loved.

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    April 23, 2024

  • I’ve always been independent, but I’m a realist as well. I recognized I was having trouble with certain things, so I got to work searching for a solution which would help me stay healthy, happy, and in the Las Vegas home I love. I contracted senior care services with Independent Life Home Care, and was able to choose the services I need. It’s great having someone to help me with the tasks that have become difficult, and I also welcome the conversation and company of my caregiver each week.

    Posted by Jolene Clark

    April 23, 2024

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    April 23, 2024

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    April 23, 2024

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    April 23, 2024

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