Medicare

Medicare

Medicare is our country’s basic health insurance program for people age 65 or older and many people with disabilities.

You should not confuse Medicare and Medicaid. Medicaid is a health care program for people with low income and limited resources. It is usually run by state welfare or social services agencies. Some people qualify for one or the other, while some people qualify for both Medicare and Medicaid.

Medicare has four parts

• Hospital insurance (Part A) helps pay for inpatient hospital care and certain follow-up services.

• Medical insurance (Part B) helps pay for doctors’ services, outpatient hospital care and other medical services.

• Medicare Advantage plans (Part C) are available in many areas. People with Medicare Parts A and B can choose to
receive all of their health care services through a provider organization under Part C.

• Prescription drug coverage (Part D) helps pay for medications doctors prescribe for medical treatment.

Who is eligible for hospital insurance (Part A)?

Most people get hospital insurance when they turn 65. You qualify for it automatically if you are eligible for Social Security or Railroad Retirement benefits. Or you may qualify based on a spouse’s (including a divorced spouse’s) work. Others qualify because they are government employees not covered by Social Security who paid the Medicare tax.

If you get Social Security disability benefits for 24 months, you will qualify for hospital insurance.

If you get Social Security disability benefits because you have amyotrophic lateral sclerosis (Lou Gehrig’s disease), you do not have to wait 24 months to qualify.

Also, people who have permanent kidney failure that requires maintenance dialysis or a kidney replacement qualify for hospital insurance if they have worked long enough or if they are the spouse or child of a worker who qualifies.

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My Social Security Benefits
Social Security: A Simple Concept What You Need To Know About Social Security While You Are Working What You Need To Know About Benefits Benefits For Your Family When You Are Ready To Apply For Benefits Supplemental Security Income (SSI) Program Right To Appeal Medicare	Medicare Medicare is our country’s basic health insurance program for people age 65 or older and many people with disabilities. You should not confuse Medicare and Medicaid. Medicaid is a health care program for people with low income and limited resources. It is usually run by state welfare or social services agencies. Some people qualify for one or the other, while some people qualify for both Medicare and Medicaid. Medicare has four parts • Hospital insurance (Part A) helps pay for inpatient hospital care and certain follow-up services. • Medical insurance (Part B) helps pay for doctors’ services, outpatient hospital care and other medical services. • Medicare Advantage plans (Part C) are available in many areas. People with Medicare Parts A and B can choose to receive all of their health care services through a provider organization under Part C. • Prescription drug coverage (Part D) helps pay for medications doctors prescribe for medical treatment. Who is eligible for hospital insurance (Part A)? Most people get hospital insurance when they turn 65. You qualify for it automatically if you are eligible for Social Security or Railroad Retirement benefits. Or you may qualify based on a spouse’s (including a divorced spouse’s) work. Others qualify because they are government employees not covered by Social Security who paid the Medicare tax. If you get Social Security disability benefits for 24 months, you will qualify for hospital insurance. If you get Social Security disability benefits because you have amyotrophic lateral sclerosis (Lou Gehrig’s disease), you do not have to wait 24 months to qualify. Also, people who have permanent kidney failure that requires maintenance dialysis or a kidney replacement qualify for hospital insurance if they have worked long enough or if they are the spouse or child of a worker who qualifies. more...
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