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Educate Yourself

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Who Qualifies?

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  • 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?

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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

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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

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Learn more about the different parts of Medicare and why they exist:

Medicare Supplements
or Medigap Plans

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  • 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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Learn more about Supplements vs. Advantage Plans:

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How to Apply

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  • 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

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