Medicare Information
Navigating the complexities of Medicare can be overwhelming, but this page serves as an essential starting point to gain clarity and understanding. Whether you're new to Medicare or looking to refresh your knowledge, our resources aim to empower you with the information you need to make informed decisions about your healthcare coverage. Dive in and start your journey toward a clearer understanding of Medicare today!
The official summary of Medicare benefits for 2027, coverage decisions, rights and protections, and answers to the most frequently asked questions about Medicare.
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Who is Eligible for Medicare?
You must be 65 or qualify through disability, meet U.S. citizenship or lawful residency requirements.
When Does Medicare Begin?
Most people become eligible for Medicare at age 65. Their first opportunity to enroll is the 7-month Initial Enrollment Period, which begins three months before the month they turn 65, includes their birthday month, and continues for three months afterward. People who are already receiving Social Security benefits when they become eligible are generally automatically enrolled in Medicare Part A and Part B; otherwise, they usually need to enroll through Social Security. Medicare can also begin before age 65 for certain people receiving disability benefits or those who qualify because of conditions such as permanent kidney failure.
What Does Medicare Cover?
Medicare covers basic costs for
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Hospitalization (Part A)
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
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Traditional Medical Services (Part B)
Covers doctor visits, outpatient care, preventive services, diagnostic testing, durable medical equipment, and other medically necessary services
Additional Coverage You May Want to Consider
Medicare won't cover all of your medical expenses which is why some people enhance their Medicare coverage to avoid unpleasant surprises. You will need to purchase additional plans if you want coverage for the following:
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Prescription Plan (Part D)
Helps pay for outpatient prescription medications. It can be purchased as a standalone plan or included in many Medicare Advantage plans (see below).
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Medicare Supplement (Medigap) Insurance
Medigap are various levels of supplemental coverage that can be purchased to extend your Medicare, Parts A and B, and help pay some deductibles, coinsurance, and other out-of-pocket costs that may not be covered by Medicare. Medigap generally does not cover routine dental, routine vision, hearing aids, long-term custodial care, private-duty nursing, or ordinary retail prescription drugs.
Another Way to Receive Your Medicare Benefits
Many people want to keep it simple and to have turnkey coverage. You can purchase an "Advantage" program instead of utilizing Medicare. "Medicare Advantage" includes all of the Medicare coverage plus additional components. If you purchase an Advantage plan, Medicare premium deductions may be minimized from your monthly Social Security check.
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Medicare Advantage (Part C)
Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. These plans provide your Medicare Part A and Part B benefits and often include Part D prescription drug coverage, along with additional benefits such as dental, vision, hearing or fitness programs. You must remain enrolled in Medicare Parts A and B and generally continue paying your Part B premium. Some Medicare Advantage plans may offer a Part B premium reduction, sometimes called a “giveback,” which can reduce the amount deducted from your Social Security benefit. Benefits, costs and availability vary by plan and location.