What is Medicare?

Medicare is health insurance for:

  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)


Who is Eligible?

  • You or your spouse must have worked at least 10 years in a job that is considered Medicare covered
  • You're a United States citizen or a legal resident who has lived in the U.S. for at least five consecutive years
  • You have a disability or end-stage renal disease


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If you're age 65 and you're not getting Social Security, you'll need to apply for Medicare through your local Social Security office. Keep in mind that there are very specific times to enroll in Medicare; typically, you can enroll three months before you turn 65, including the month you turn 65 and ends 3 months after you turn 65. If you wait too long, you could face penalty fees for late enrollment.

Medicare coverage allows you to see any doctor or hospital in the United States that accepts Medicare. No referrals needed, even if you see a specialist. Care outside the U.S. isn't usually covered. You can't be denied Medicare coverage because of your medical history or pre-existing conditions.

parts of medicare

Part A: Hospital
■ Inpatient care in hospitals
■ Skilled nursing facility care
■ Hospice care
■ Home health care
Part B: Health
■ Services from doctors and other health care providers
■ Outpatient care
■ Home health care
■ Medical equipment
■ Some preventive services
Part C: Advantage
  • ■ Includes all benefits and services covered under Part A and Part B
  • ■ Run by Medicare-approved private insurance companies
  • ■ Usually includes Medicare prescription drug coverage (Part D) as part of the plan
  • ■ May include extra benefits and services for an extra cost
Part D: Prescription
■ Helps cover the cost of prescription drugs
■ Run by Medicare-approved private insurance companies
■ May help lower your prescription drug costs and help protect against higher costs in the future
There is also a product that isn't a part of Medicare that provides additional coverage, called Medicare Supplement or Medigap. Medicare Supplement plans are a supplement to Medicare and are available through private insurance companies.  Get your FREE RATE QUOTE and apply for your Medicare Supplement (Medigap) coverage today!

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