Medicare

Medicare is a federal health insurance program for people age 65 and older and certain younger individuals with disabilities. It provides coverage for hospital care, medical services, and prescription drugs depending on the parts you enroll in.

What Is Medicare?
Medicare consists of different parts. Part A covers hospital care, Part B covers medical services, Part C or Medicare Advantage offers bundled coverage through private insurers, and Part D provides prescription drug benefits. Together, these options allow beneficiaries to customize their coverage.

Who Needs Medicare?
Medicare is primarily for people aged 65 and older, but it is also available to younger individuals with qualifying disabilities or certain medical conditions such as end-stage renal disease.

Common Questions About Medicare

• When can I enroll? Initial enrollment begins three months before you turn 65 and lasts for seven months.

• Does Medicare cover everything? No, beneficiaries are often responsible for deductibles, copayments, and services not covered.

• Can I have private insurance with Medicare? Yes, many people combine Medicare with supplemental or employer coverage.

• What is the difference between Original Medicare and Medicare Advantage? Original Medicare includes Part A and B, while Medicare Advantage bundles them and often includes drug coverage.

• Does Medicare cover prescriptions? Only if you enroll in a Part D plan or Medicare Advantage plan with drug benefits.

Why Medicare Matters
Medicare provides essential health coverage for older adults and individuals with disabilities, making healthcare more affordable and accessible.