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UNDERSTANDING MEDICARE

Here, we'll cover all there is to know about:

Your Eligibility

Are you Eligible for Medicare?

Generally, Medicare is available for:

Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance).You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years.

You can get Part A at age 65 without having to pay premiums if:

If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A.

If you are under age 65, you can get Part A without having to pay premiums if:

While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.

You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them.
You or your spouse had Medicare-covered government employment.

You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months. (Note: If you have Lou Gehrig's disease, your Medicare benefits begin the first month you get disability benefits.)
You are a kidney dialysis or kidney transplant patient.

People who are 65 or older
Certain younger people with disabilities
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

Explore some of our other articles on Medicare

Important Resources

A full directory of important contacts for all of your Medicare needs.

How Much Does it Cost?

Be aware of how Medicare affects your pocket.

Medicare At-A-Glance

Learn more about Medicare and Medicare Supplements.

*This Information was provided by: www.medicare.gov