What is Medicare?

Medicare is a federal health insurance program for most people age 65 or older, certain people with disabilities, and most people with End-Stage Renal Disease (ESRD). It is funded in part by Social Security and Medicare taxes that most people pay on their income, in part through premiums that most people with Medicare pay, and in part by the federal budget.

Medicare has four parts:

  • A


    It covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

  • B


    It covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

  • C


    This is a type of Medicare-approved health plan from a private insurance company that you can choose to cover most of your Part A and Part B benefits instead of Original Medicare.

  • D

    Drug Coverage

    It helps cover the cost of prescription drugs(including many recommended shots and vaccines).

Medicare eligibility

Most people are entitled to Medicare if you’ve contributed to the Medicare tax for at least 10 yrs, you’re at least 65 and a U.S citizen or have been a Permanent Legal Resident for at least the past 5 years.. People under 65 yrs with certain Disabilities may also be eligible for Medicare. People who have received Social Security Disability for 24 consecutive months
are generally eligile for Medicare beginning on their 25th month. People with End Stage Reanl Disease and ALS are generally automatically eligible for Medicare.

What Medicare doesn’t cover

Common expenses that Medicare doesn’t cover:

  • Hearing aids
  • Eye exams and eyeglasses
  • Dentures
  • Most routine dental care
  • Most Routine foot care
  • Medical care overseas
  • Cosmetic surgery
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