Medicare is a federal health insurance program primarily dedicated to
Individuals who are 65 or older
Individuals under 65 with certain disabilities
Individuals at any age with end-stage renal disease (ESRD) – A permanent kidney failure requiring dialysis or kidney transplant.
Different Parts of Medicare
Medicare is divided into different parts to help cover specific services:
Medicare Part A – Hospital Insurance
Medicare Part B – Medical Insurance
Medicare Part C – Medicare Advantage
Medicare Part D – Prescription Drug Coverage
Individuals Who Get Parts A and B Automatically
Those already receiving disability benefits from Social Security or Railroad Retirement Board (RRB). In most cases, you’ll automatically get Part A and Part B starting the first day of the month you turn 65. If your birthday is the first day of the month, Part A and Part B will start the first day of the prior month.
If you are under 65 and disabled, you automatically receive Part A and Part B after you get disability benefits from Social Security or certain disability benefits from RRB for 24 months.
If you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease), you automatically get Part A and Part B the month your disability benefits begin.
Sign up for Medicare Advantage (Part C) and Medicare Prescription Drug Coverage (PartD)
There are specific times when you can sign up for Medicare Advantage (Part C) and Medicare Prescription Drug Coverage (Part D), or make a change to a coverage you already have:
When you first receive Medicare (Initial Enrollment Periods)
During certain times, each year (Yearly Enrollment Periods)
In special circumstances (Special enrollment periods)
You change where you live
You lose your current coverage
Your plan changes contract with Medicare
And other special situations
We have over a decade of experience and are dedicated to answering your questions, clarifying your doubts, and making things easy for you. We understand and value the importance of family, which is why we include any family member in the process.