Medicare is a federal health insurance program for:
People 65 years of age and older.
The disabled—those under age 65 who have received Social Security or Railroad Retiree disability benefits for 24 consecutive months.
Those with a diagnosis of ALS or Lou Gehrig’s Disease.
People with end-stage renal disease (permanent kidney failure treated with dialysis or a transplant).
What are the parts of Medicare?
Medicare has four parts. Each part covers different services. Part A and Part B are also known as Original Medicare.
Medicare Part A helps pay for four kinds of medically necessary care:
Inpatient hospital care
Inpatient care in a skilled nursing facility following a hospital stay
Home health care
Hospice care
Part A has deductibles and coinsurance, but most people do not have to pay premiums for Part A. If you have a specific question regarding Medicare Part A coverage or claims, you can contact Medicare at 1-800-MEDICARE (1-800-633-4227). A "Medicare & You" official guide is also available.
Medicare Part B helps pay for:
Doctor’s services
Outpatient hospital care
Durable medical equipment (DME)
Diagnostic tests
Many other health services and supplies that are not covered by Medicare Part A
Part B has premiums, deductibles, and coinsurance amounts that you must pay yourself or through coverage by another insurance plan. If you have a specific question regarding Medicare Part B coverage or claims, call 1-800-MEDICARE (1-800-633-4227). A "Medicare & You" official guide is also available.
Medicare Advantage Plans (Part C) are an alternative to traditional Medicare Coverage and some include additional benefits. Many also provide prescription drug coverage. Visit our page Medicare Advantage Plans (Part C) coverage for additional details.
In 2006 Medicare added a prescription drug benefit called Medicare Part D. Medicare contracts with private companies to offer prescription drug plans. You can enroll in a plan that offers only drug coverage or you can enroll in a Medicare Advantage Plan which includes drug coverage, along with other health coverage.
After you have read through the guide, you may want additional information and we can help! SHIIP/ SMP has dedicated volunteer counselors trained and certified to personally assist you in evaluating your options. We can answer your questions about Medicare and other insurance choices. Call 1-800-351-4664, (TTY 1-800-735-2942) or visit our visit our Find a Counselor page to connect with a SHIIP/ SMP volunteer near you.
