Educate Yourself

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”)

What is Medicare?

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

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 its 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

  • Pays for what Medicare does not

  • Have their own Alphabet: A-N

  • Plan F pays everything that Medicare doesn’t.  All other plans pay for less. (Not available to everyone)

  • Plan G pays for everything except Part B deductible ($198)

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

  • Offered by private insurance companies approved by Medicare

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