What is Medicare?
Medicare is health insurance for the following:
- People age 65 or older.
- People under age 65 with certain disabilities.
- People of all ages with end-stage renal disease (ESRD); Amyotrophic Lateral Sclerosis (ALS), often referred to as “Lou Gehrig’s Disease”.
- People determined to have been exposed to certain environmental health hazards.
The Different Parts of Medicare
The different parts of Medicare help cover specific services:
1. Medicare Part A (Hospital Insurance)
- Helps cover inpatient care in hospitals
- Helps cover skilled nursing facility, hospice, and home health care
2. Medicare Part B (Medical Insurance)
- Helps cover doctors’ and other health care providers’ services, outpatient care, durable medical equipment, and home health care
- Helps cover some preventive services to help maintain your health and to keep certain illnesses from getting worse
3. Medicare Part C (also known as Medicare Advantage)
- Offers health plan options run by Medicare-approved private insurance companies. Medicare Advantage Plans are a way to get the benefits and services covered under Part A and Part B. Most Medicare Advantage Plans cover Medicare prescription drug coverage (Part D). Some Medicare Advantage Plans may include extra benefits for an extra cost.
4. Medicare Part D (Medicare Prescription Drug Coverage)
- Helps cover the cost of prescription drugs
- May help lower your prescription drug costs and help protect against higher costs
- Run by Medicare-approved private insurance companies
Initial Enrollment Period
General Enrollment Period
- January 1 - March 31
Special Enrollment Period