Federal health insurance mainly for people age 65 and older. Some younger people may qualify because of a disability, End-Stage Renal Disease or ALS.
Age, citizenship or residency and other conditions are part of the rules. Turning 65 does not mean everyone is enrolled automatically.
02 / MEDICARE
Your map to Medicare.
Start with Parts A and B. Then understand how your coverage options fit together.
A · Hospital
Helps cover inpatient stays and certain skilled nursing facility, hospice and home health care, subject to program rules.
B · Medical care
Helps cover doctor visits, outpatient care, medical equipment and many preventive services.
D · Prescription drugs
Prescription drug coverage through private Medicare-approved plans. Drug lists and costs vary.
Original Medicare
Includes A + B. You may add a Part D plan and, subject to the rules, Medigap to help with certain costs. You can use providers who accept Medicare across the United States.
Medicare Advantage · Part C
A Medicare-approved private alternative combining A + B and usually D. Check networks, referrals, approvals and costs. Medigap does not supplement Medicare Advantage.
Not necessarily. Deductibles, copayments and other expenses may apply; you generally keep paying the Part B premium. Check total costs and any assistance you qualify for.
It depends on your situation and the coverage you already have. Use Medicare.gov's official enrollment timing guide to check when to enroll and avoid gaps or possible penalties.
Since 1998, understanding each client has been Insurance Link's starting point. Talk with the team about the Medicare plans we offer and the options available in your area.