Medicare Eligibility and Benefits

Medicare health insurance program is for people aged 65 and older.  People who have Social Security disability coverage are also entitled to Medicare when then have been receiving Social Security disability coverage for 24 months.  Medicare does not cover all medical expense or the cost of long-term care, the AARP program is a good source of information about insurance programs that covers things Medicare does not.

Eligibility Requirements

You become eligible for the Medicare health insurance program in two ways

  • When you reach retirement age 65

  • If you become disabled, after you have received disability benefits for 24 months.

Medicare is the major source of senior healthcare in the country. Most companies require their retirees to switch to the Medicare program when they become eligible. These companies then become the secondary insurer for their senior’s healthcare. (See also Medicare FAQ for Applicants and New Beneficiaries)

Basic Medicare Facts

  • There are four parts to Medicare

    • Part A – hospital insurance that helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care

    • Part B – that helps pay for doctors’ services and many other medical services and supplies that are not covered by hospital insurance.

    • Part C – Medicare Advantage plans are available in many areas.
    • Part D – Prescription drug coverage that helps pay for medications doctors prescribe for treatment.

Do You Need A Lawyer?

A lawyer can be very helpful in navigating the multitude of Medicare regulations.  The program does have an appeal process if you are denied coverage or a particular benefit under the program.  Legal representation in this area is wise.


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