Who Is Medicare For?

Medicare is a health insurance program managed and funded by the United States government.

Medicare is designed to provide coverage for people aged 65 and older, younger individuals with specific disabilities and people with permanent kidney failure or amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease.

Qualifications for Medicare

Generally, U.S. citizens and permanent residents aged 65 and older qualify for Medicare Part A at no cost if you meet the Social Security benefits requirements.

Anyone who qualifies for no-cost Medicare Part A can enroll in Medicare Part B, which requires a monthly premium based on income. If you don’t qualify for no-cost Part A, you can purchase Part B independently if you are:

• A U.S. citizen

• A lawfully admitted noncitizen who has resided in the U.S. for five or more years

• You can enroll in Medicare through the Social Security Administration (SSA) website

What Does Medicare Cover?

If you qualify for Social Security benefits at age 65, you will be automatically enrolled in Original Medicare, including: 

• Medicare Part A (hospital insurance) may help cover inpatient care in hospitals, skilled nursing facility care, home health care and hospice care.

• Medicare Part B (medical insurance) may help cover services from health care providers, outpatient care, home health care, durable medical equipment and preventive services.

You can customize your Medicare coverage by opting into the following:

• Medicare Part D (prescription drug coverage)

• Medicare supplement insurance (Medigap) plans are designed to help cover out-of-pocket health care costs, depending on the plan you choose.

• Medicare Part C (Medicare Advantage) plans are an alternative to Original Medicare (Parts A and B) sold by private insurers. 

Your agent can help you understand which optional Medicare coverages are available in your area. Customizing your Medicare coverage may impact your premiums and health care costs.

Contact Us

Contact New Beginning Insurance in Garland, Texas, for more information about Medicare eligibility and to learn about your options for customizing Medicare coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.