What is Medicare and who can get it?

Medicare is a government health insurance program administered by the Centers for Medicare & Medicaid Services (CMS). If you can answer “yes” to any of the following, you qualify for Medicare.

  • I am 65 years of age or older.
  • I am under 65, but I receive disability benefits from the Social Security Administration (SSA) or the Railroad Retirement Board (RRB).
  • I have amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease).
  • I have end-stage renal disease (ESRD), which is permanent kidney failure that requires a transplant or dialysis.

If so, then you are likely to be eligible for Medicare benefits. You must be at least 65 years old and an American citizen or permanent legal resident of at least five consecutive years. You may also qualify at any age through disability.

To learn more about what your options are, contact us today.

Different Parts of Medicare

Medicare Part A: Hospital Insurance

Original Medicare helps cover inpatient care in hospitals, skilled nursing facilities, and home health care.

Medicare Part B: Medicare Insurance

Original Medicare helps cover doctor’s services, outpatient care and home health care as well as some preventive services to help maintain your health and to keep certain illnesses from getting worse.

Medicare Part C: Medicare Advantage Plans

Like an HMO or PPO

A health option ran by private insurance companies approved by and under contract with Medicare.
Includes Medicare Parts A and B but can charge different amounts for certain services.
May offer extra coverage and prescription drug coverage for an extra cost
Cost for items and services vary by plan.

Medicare Part D: Medicare Prescription Drug Coverage

A prescription drug option by privately ran insurance companies, approved by and under contract with Medicare, helping cover the cost of prescription drugs. They may help lower your prescription drug costs and help protect against higher costs in the future.

We do not offer every plan in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all your options.