How Does Medicare Work?

Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare too, including those with disabilities and those who have permanent kidney failure.

  • Medicare Part A (hospital insurance) helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (following a hospital stay). Part A also pays for some home health care and hospice care.
  • Medicare Part B (medical insurance) helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.  Most people age 65 or older are eligible for free Medical hospital insurance (Part A) if they or a spouse have worked and paid Medicare taxes for at least 40 quarters or 10 years of their lifetime. You can enroll in Medicare medical insurance (Part B) by paying a monthly premium.  Other parts of Medicare are run by private insurance companies that follow rules set by Medicare that provide additional coverage:

  • Medicare Advantage Plan (previously known as Part C) includes all benefits and services covered under Part A and Part B — prescription drugs (Part D) and additional ancillary benefits such as vision, hearing, dental and more — bundled together in one plan.
  • Medicare Part D (Medicare prescription drug coverage) helps cover the cost of prescription drugs.
  • Supplemental (Medigap) policies help pay Medicare Part A & B out-of-pocket copayments, coinsurance, and deductible expenses.

When Can I Sign Up For Medicare?

Additional Resources:

Below are resources for more information about Medicare.

How Can We Help?

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Medicare Disclaimer: We may not offer every plan available in your area.  Any information we provide is limited to those plans we do offer.  Please contact us regarding the options we provide, or contact Medicare at or 1-800-MEDICARE to get information on all of your options.