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Who is eligible for Medicare?
Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, also called ESRD).
To be eligible for Medicare, you must be a U.S. citizen or a permanent legal resident who has lived in the United States for at least five consecutive years.
If you are 65 or older and are already receiving retirement benefits from Social Security or the Railroad Retirement Board (RRB), you are automatically enrolled in Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). If you are not receiving these benefits, you will need to apply for Medicare.
Certain people younger than 65 can also qualify for Medicare. These include individuals with disabilities who have received Social Security Disability Insurance (SSDI) for at least two years, and people with ESRD.
There are four parts to Medicare: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage). Most people are automatically enrolled in Part A and Part B when they are first eligible, but they have the option to opt out of Part B if they do not want it. Parts C and D are optional and require people to enroll in them.
What are the types of coverage provided by Medicare?
Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Part B (Medical Insurance) covers certain doctors' services, outpatient care, medical supplies, and preventive services
.Part C (Medicare Advantage Plans) is an alternative to Original Medicare (Part A and Part B). These plans are offered by private companies that are approved by Medicare and provide the same coverage as Part A and Part B, but may also offer additional benefits such as vision, hearing, and dental coverage.
Part D (Prescription Drug Coverage) helps cover the cost of prescription drugs. It is offered by private insurance companies that are approved by Medicare.
Medicare beneficiaries can choose to receive their coverage through Original Medicare (Parts A and B) or through a Medicare Advantage Plan (Part C). They can also choose to add a Part D Prescription Drug Plan to their coverage.Sub-headline
What is the enrollment process for Medicare, including how to enroll and when to enroll?
The enrollment process for Medicare depends on your individual circumstances. Here are the general steps for enrolling in Medicare:
Determine your eligibility: You are eligible for Medicare if you are 65 or older, or if you are under 65 and have a disability or End-Stage Renal Disease (ESRD).
Choose a coverage option: You can choose to receive your Medicare coverage through Original Medicare (Parts A and B), a Medicare Advantage Plan (Part C), or a combination of both. You can also choose to add a Part D Prescription Drug Plan to your coverage.
Enroll: If you are already receiving retirement benefits from Social Security or the Railroad Retirement Board (RRB), you will be automatically enrolled in Medicare Part A and Part B when you become eligible. If you are not receiving these benefits, you will need to apply for Medicare.
Pay premiums: Most people will have to pay premiums for Part B and, if applicable, Part C and Part D. The amount you pay may depend on your income.
The enrollment period for Original Medicare (Part A and Part B) is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you are not automatically enrolled in Original Medicare, you can enroll during this period.
If you have a Medicare Advantage Plan (Part C) or a Part D Prescription Drug Plan, you can enroll during the annual enrollment period, which runs from October 15 to December 7 each year. You can also enroll during the Medicare Advantage open enrollment period from January 1 to March 31 each year.
If you are eligible for Medicare due to a disability or ESRD, you can enroll during the initial enrollment period, which is a seven-month period that begins three months before the 25th month of disability or ESRD, includes the 25th month of disability or ESRD, and ends three months after the 25th month of disability or ESRD.
It's important to enroll in Medicare when you are first eligible to avoid paying higher premiums or having gaps in coverage. If you have questions about the enrollment process or need help enrolling, you can contact Medicare Options for additional information at
(877) 777-3175
.
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Need Medicare Help?
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Calling this number will direct you to a licensed Agent
Our Service States
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