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EDUCATE YOURSELF

WHAT IS MEDICARE

Medicare is a health plan, designed by the Congress. It provides care for almost 50 million Americans.

Medicare is the federal health insurance dedicated to the care of people who are 65+ (including qualifying younger individuals with disabilities & people with End-Stage Renal Disease (ESRD)).

WHO QUALIFIES

  • US Citizens 65+, who have contributed 10 years to the program (40 quarters)

  • Individuals suffering from ESRD

  • Individuals who received  SSDI payments for 24 months (or in the 1st month of disability of ALS “Lou Gehrig’s Disease”)

HOW IT WORKS 

MEDICARE IS AN 80/20 MEDICAL PLAN:

  • Medicare pays 80% - You pay 20%

  • Part A: Pays 80% of Hospital Bills

  • Part B: Pays 80% of Doctor Bills 
    except the co-pays and deductibles

  • Part D has it’s own rules

HOW TO APPLY

  • Contact the Social Security administration at:

  • 1 800 772-1213
  • 3 months before your 65th Birthday

  • No need to be retired to apply

  • Automatic enrollment if receiving SS or RR retirement benefits

    • Medicare.gov

    • socialsecurity.gov

MEDICARE SUPPLEMENTS OR MEDIGAP PLANS

  • Offered by private insurance companies 
    approved by Medicare

  • Pays for what Medicare does not

  • Have their own Alphabet: A-N

  • Plan F pays everything that Medicare doesn’t.  It will no longer be available to beneficiaries with Part A effective date after 1/1/2020.  All other plans pay for less.

  • Plan G pays for everything except Part B deductible ($197)

  • Plan N is like Plan G but with Co-Pays and excess charges