Medicare is a health insurance program for:

    • people age 65 or older,
    • people under age 65 with certain disabilities, and
    • people of all ages with End-Stage Renal Disease.

Medicare has:

Part A Hospital Insurance – Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. If you have worked for 10 years ( 40 quarters) in the United States, Part A is free to you. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.

Part B Medical Insurance – Most people pay a monthly premium for Part B.The standard Part B premium amount in 2022 is $170.10. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount extra charge added to your premium.

 Medicare Part B (Medical Insurance) helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.

Part C Medical Insurance (Optional) – Part C Medicare, also known as Medicare Advantage, is one way that Medicare recipients can deal with the gaps in Medicare Parts A and Part B. These are offered by private insurance companies, as opposed to Part A and Part B that are also known as “Original Medicare". Part C Frequently also offers Coverage found under optional Part D of Medicare as well. For more information about this please go to Medicare Advantage

Prescription Drug Coverage – Most people will pay a monthly premium for this coverage. In January 1, 2006, Medicare prescription drug coverage became available to everyone with Medicare. This coverage is to help you lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. Like other insurance, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later. For more information about this please go to Prescription Drugs.

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