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What is Medicare?
Medicare is a national health insurance program enacted in 1965 by the Federal Government. Its primary function is to provide health insurance for Americans age 65 or older and those under 65 with disability status.
Must I be a certain age?
Anyone 65 or older who has been a citizen/legal resident in the U.S. for 5+ years or has been on Social Security disability for more than two years, is eligible for Medicare. You are also eligible to apply if you have a qualifying diagnosis, such as E.S.R.D. or Lou Gehrig’s disease.
When can I apply
Three months before your 65th birthday, the month of your birthday, or three months after your birth month. In total, you will have seven months to apply.
There are 4 main parts to Medicare
- Part A is your hospital insurance, which covers hospital in-patient stays, home health services, skilled nursing care, and transplants.
Part B is your medical insurance, covering doctor visits, home health visits (not following an acute stay), ambulance services, out-patient physical, speech and occupational therapy, durable medical equipment and diagnostic testing. Medicare Advantage is another way to get your Medicare Part A and Part B coverage.
Medicare Advantage plans, sometimes called Part C or M.A. plans, are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage plan, you’ll still have Medicare, but you’ll get most of your Part A and Part B coverage from your Medicare Advantage plan, not original Medicare. These bundled plans include Medicare Part A, hospital insurance and Medicare Part B medical insurance, and usually Medicare drug coverage, Part D.
- Part D, prescription/Medicare drug coverage, helps pay for necessary prescription drugs. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you do not decide to get it when you’re first eligible, and you don’t have other creditable drug coverage – such as drug coverage from an employer or union for additional support – you will likely pay a late-enrollment penalty if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost relating to the specific drugs covered.
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