Here are some of the most common questions we answer.
What is Medicare?
Medicare is a federal health insurance program primarily for people aged 65 and older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD).
What are the different parts of Medicare?
Medicare has four parts:
When can I enroll in Medicare?
Do I automatically get Medicare when I turn 65?
If you're receiving Social Security benefits, you are automatically enrolled in Medicare Parts A and B. If not, you need to sign up during your Initial Enrollment Period.
What does Medicare cover?
What costs are associated with Medicare?
Part A typically has no monthly premium if you or your spouse paid Medicare taxes while working. Part B has a monthly premium, and both parts have deductibles and coinsurance.
Can I have other health insurance with Medicare?
Yes, many people have other health insurance coverage, such as employer-sponsored insurance, Medicaid, or Medigap (Medicare Supplement Insurance) policies to help pay costs not covered by Medicare.
What is Medicare Advantage?
Medicare Advantage (Part C) plans are offered by private companies approved by Medicare. They provide all Part A and Part B benefits and often include prescription drug coverage (Part D) as well as additional benefits like dental and vision.
How do I find out if my prescription drugs are covered under Medicare?
You can check if your prescription drugs are covered by using the Medicare Plan Finder tool on Medicare's website or by contacting the plan directly.
What if I have low income and can't afford Medicare's costs?
You may qualify for Medicare Savings Programs (MSPs) or Extra Help (Low-Income Subsidy) programs, which can help pay for Medicare premiums, deductibles, copayments, and coinsurance.
