Medicare is federal health insurance offered primarily to people age 65 and older and disabled individuals under age 65.
It's important to undertand that Original Medicare (Part A and Part B) does not cover all of your medical expenses.
Learn about Medicare and the other options that are available, and why they may be right for you.
View the helpful video at the right to learn all about how Original Medicare works.
Guide to Original Medicare Find out more about Medicare Parts A & B. What's Original Medicare? What's the difference between Parts A & B?
This is a health plan (for example, an HMO or PPO). It covers all your Part A and Part B benefits as well as preventive care, and it may include extras such as:
Prescription drug coverage
Vision and hearing
This is additional coverage that supplements Part A and Part B (Original Medicare) coverage.
A Medicare Supplement plan helps with some or all of the out-of-pockets costs you're left with after Original Medicare pays its share.
This is prescription drug coverage. It covers the generic and brand-name prescriptions that are listed on the plan's drug formulary list. (Every plan has a different formulary list. You should review each plan's formulary before enrolling.)
You should enroll in Medicare when you first become eligible. For most people this is:
When they turn 65
When they retire (if they work past their 65th birthday) or
Before they turn 65 due to a disability
When you are first eligible for Medicare, you have a seven-month Initial Enrollment Period (IEP) in which to enroll in Part A and/or Part B. It starts three months before the month you become eligible, includes the month of your birthday, and ends three months after the month you became eligible. If you miss your IEP, there are other opportunities during the year when you can enroll.