Medicare is the federal government health insurance program for people who are 65 or older. You’re eligible if you or your spouse worked for at least ten years in Medicare-covered employment; you’re age 65 or older and a citizen or permanent resident of the United States.
It also covers certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD), which is permanent kidney failure requiring dialysis or a transplant. In most cases, you can go to any doctor, health care provider, hospital, or other facility that’s enrolled in Medicare and is accepting new Medicare patients. And, you don’t need a referral to see a specialist, but the specialist must be enrolled in Medicare.
It does not provide complete coverage for all health care needs. Even though it pays for some preventive services and covers most medically necessary services, it doesn’t pay for many routine services like annual physicals, glasses, hearing aids, or long-term care at home or in a nursing home.
With a few exceptions, most prescriptions aren’t covered with original Medicare. You can add drug coverage by joining a Prescription Drug Plan (Part D). If you have original coverage, you might also choose to purchase a separate Medicare Supplement Insurance (Medigap) policy.
There are 2 parts to the program, Part A and Part B, and two additional parts, C and D that involve benefits acquired outside of the original prgram. Below is a summary of how each Part works.
To view or to download the free Medicare handbook with complete information, click here:
Medicare & You – Government Handbook for Beneficiaries