What Is Medicare?

Medicare is a federal health insurance program that provides coverage for millions of Americans. Understanding what Medicare covers is the first step to making smart healthcare decisions.

Who Qualifies for Medicare?

You may be eligible for Medicare if you:

Are 65 or older

Are under 65 with a qualifying disability (after 24 months of Social Security Disability Insurance)

Have End-Stage Renal Disease (ESRD) or ALS

The Four Parts of Medicare

**Part A (Hospital Insurance):** Covers inpatient hospital care, skilled nursing facilities, hospice, and some home health services. Most people don't pay a premium if they worked and paid Medicare taxes for 10+ years.

**Part B (Medical Insurance):** Covers doctor visits, outpatient care, preventive services, and medical equipment. Has a monthly premium and annual deductible.

**Part C (Medicare Advantage):** Private insurance alternative that combines Parts A and B, often with Part D and extra benefits like dental/vision.

**Part D (Prescription Drug Coverage):** Covers prescription medications through private plans.

Next Steps

Consider working with a local Medicare broker who can compare all plan options in your area at no cost to you.