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What is Medicare?

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Original Medicare consist of: Part A- Basic hospital Part B- Medical Services* (optional) Part C- Medicare Advantage (optional) Part D- Drug plan* (optional) Medicare Supplement (optional) * Beware that “Late Enrollment Penalties” may apply if you do not enroll when you are first eligible for . 

CLICK: Ways to avoid Part D late enrollment penalties.

CLICK: Part B late enrollment penalties.

CLICK: Appealing the late enrollment penalties

Medicare Supplement (Medigap)

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share. Read more…..

Get help paying costs

Medicaid: Learn more about Medicaid, a joint federal and state program that helps with medical costs like nursing home care and personal care services, for some people with limited income and resources. You may be eligible for extra help paying for Medicare prescription drug coverage (Part D), even if your income exceeds Medicaid income levels, under the spend down rules if you are medically needy. Medicare Savings Programs: Learn about programs in your state that help pay your…