There are many layers to the federal Medicare program. Let us help you figure out where to begin. We'll break down Medicare into manageable pieces, so you know if you qualify for Medicare coverage, what coverage is available in your area, and how to get enrolled in a plan that fits your needs.
There are certain eligibility requirements for Medicare coverage. Use this page as a guide to understanding if you qualify for Medicare benefits.
65 and over - Most people qualify for Medicare at age 65. You should be eligible for Medicare at the age of 65 if:
If the above applies to you and you have had Social Security deductions taken from your payroll, chances are that you will automatically receive a Medicare card in the mail just prior to becoming eligible, showing benefits for both Part A (hospital care) and Part B (medical care). Part B is optional, can be declined, and requires that a premium be paid on a monthly basis for participation.
You may have to apply if:
Under 65 - Generally speaking, if you are under age 65, you will qualify for Medicare if:
Medicare Parts A and B will not cover all of your medical costs. Specific items, such as prescription drugs, premiums, co-pays and many more, are considered out-of-pocket costs, unless you have additional insurance. There are options to buy additional coverage from private insurance companies that fill in these "gaps". There are three different types of these plans: Medigap, Part D, and Medicare Advantage Plans.
Here is a more comprehensive list of services and expenses that Medicare Parts A and B do not cover: