Medicare is a federal health insurance program for U.S. citizens aged 65 and older. It also covers people under 65 who have received Social Security Disability Insurance (SSDI) for a set period or those diagnosed with End-Stage Renal Disease (ESRD), offering essential medical care support.
The Centres for Medicare & Medicaid Services (CMS) manages Medicare, funded by payroll taxes, premiums from enrollees, and the federal budget. It offers age-based coverage, supports people with disabilities or specific conditions, provides financial protection, and includes preventive care services.
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Medicare is a federal health insurance program mainly for people aged 65 and older, but also for some younger individuals with disabilities or specific medical conditions.
You qualify if you are 65 or older, under 65 with certain disabilities, or have End-Stage Renal Disease (ESRD).
Costs vary by plan and coverage, but most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes. Part B, C, and D usually have monthly premiums.
Yes, you can have additional coverage like employer insurance, Medicaid, or Medigap policies to help cover costs Medicare doesn’t pay.
You can sign up during your Initial Enrollment Period around your 65th birthday, with other opportunities during General or Special Enrollment Periods.
Medicare Part A includes coverage for:
Medicare Part B generally covers two main types of services:
Most preventive services are free if provided by a healthcare professional who accepts Medicare assignment. Part B also covers:
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