What’s Medicare?

Medicare is health insurance for:
• People 65 or older
• People under 65 with certain disabilities
• People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)

What are the different parts of Medicare?

Medicare Part A (Hospital Insurance) helps cover:

• Inpatient care in hospitals
• Skilled nursing facility care
• Hospice care
• Home health care
You usually don’t pay a monthly premium for Part A
coverage if you or your spouse paid Medicare taxes while working. This is sometimes called premium-free Part A.
If you aren’t eligible for premium-free Part A, you may be able to buy Part A, and pay a premium.

Medicare Part B (Medical Insurance) helps cover:

• Services from doctors and other health care providers
• Outpatient care
• Home health care
• Durable medical equipment
• Some preventive services
Most people pay the standard monthly Part B premium.
Note: You may want to get coverage that fills gaps in Original Medicare coverage. You can choose to buy a Medicare Supplement Insurance (Medigap) policy from a
private company.

Medicare Part C (Medicare Advantage):

• Run by Medicare-approved private insurance companies
• Includes all benefits and services covered under Part A and Part B
• Usually includes Medicare prescription drug coverage (Part D) as part of the plan
• Usually includes extra benefits and services, in some cases for an extra cost

Medicare Part D (Medicare prescription drug coverage):

• Run by Medicare-approved private insurance companies
• Helps cover the cost of prescription drugs
• May help lower your prescription drug costs and help protect against higher costs in the future

Note: If you have limited income and resources, you may qualify for help to pay for some health care and prescription drug costs. For more information, contact your State Medical Assistance (Medicaid) office, visit socialsecurity.gov, or call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. If you have questions about Medicare, visit Medicare.gov, or call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.



How Medicare Works With Social Security Disability

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