What is Medicare and How Does It Work?

9/8/2023

Medicare is a federal health insurance program primarily designed for individuals aged 65 and older, but it also covers some younger individuals with specific disabilities. It's divided into several parts, with Part A covering hospital stays, skilled nursing facility care, hospice care, and some home health services. Part B covers outpatient services, doctor visits, preventive care, and durable medical equipment. Part C refers to Medicare Advantage plans offered by private insurance companies, and Part D covers prescription drug benefits.

To receive Medicare benefits, you must meet certain eligibility criteria and enroll during specific enrollment periods. Most people receive Part A premium-free, while Part B requires a monthly premium.

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