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Medicare is a federal health insurance program that helps you pay for things like hospital care and prescriptions.
Medicare plans are distinguished by specific parts. The most common and well-known program is Original Medicare, which includes Medicare Part A and Medicare Part B.
You become eligible for Medicare when you:
If you’re still working at age 65, you can wait to enroll or combine your Medicare and employer insurance. Having both plans can provide a boost to your coverage.
You will be automatically enrolled in Original Medicare when you turn 65 if you receive Social Security benefits. You will receive a card in the mail letting you know. Otherwise, you can enroll online. If you aren’t automatically enrolled, you can take advantage of your Initial Enrollment Period which starts three months before your 65th birthday.
If you want a Part C, Part D, or supplement plan, you will have to find, choose, and enroll in a plan with the provider of your choice. A Medicare agent can help you find the coverage you need.
Medicare costs are based on premiums, deductibles, and out-of-pocket fees. Premiums are charged monthly.
