Call Us 888-889-3279 ☰ ˟
Logo
easy button
Call Us 888-889-3279 to get your personalized insurance quote
  • Home
  • Products
    • Medicare AdvantageImage of right arrow
      • Medicare
    • Medicare SupplementImage of right arrow
      • Medigap
    • Social Security AdvisorsImage of right arrow
      • Social Security Advisors
    • Prescription Drug Plans
    • PPO Plans
    • HSAs
  • Privacy Policy
  • Request a Service
  • Blog
  • About
    • About Us
    • Our Locations
    • Refer a Friend
  • Contact Us
Home > Blog > Do I Qualify for Medicare?
TUESDAY, AUGUST 17, 2021

Do I Qualify for Medicare?

You have probably heard of the U.S. government’s Medicare program. This is a federally-funded health insurance program. It usually helps older people get insurance after they leave the workforce. However, besides the elderly, other individuals can qualify for Medicare. Still, there are enrollment criteria that applicants might need to meet. Here’s how it works.  

 

What is Medicare?  

Medicare is part of the U.S.’s social security system. It began in the 1960s to address the fact that many senior citizens could not afford health care without health insurance. Over the years, Medicare has grown to include both taxpayer-funded coverage and private Medicare supplements. However, at its core, Medicare contains two types of coverage, referred to as Original Medicare: 

  • Medicare Part A: Also called hospital coverage, this portion of Medicare covers expenses related to inpatient care like surgeries, hospital rooms and associated costs.  

  • Medicare Part B: Part B coverage pays for costs related to outpatient care. Physician visits, lab work or other necessary medical care might have coverage.  

 

Some people choose to buy only Part A coverage, but most people buy Part B as well. It covers more of their everyday medical needs.  

 

Additionally, Part A & Part B coverage don’t apply to every type of medical care or cost. However, a variety of private plans, like Medigap, Medicare Advantage and Medicare Part D prescription drug coverage can cover these costs.  

 

When Do I Qualify for Original Medicare? 

Medicare coverage starts at Original Medicare. Generally, those who qualify for coverage fall into three groups:  

  • People age 65 and older. Older individuals must qualify for social security retirement benefits and have paid Medicare taxes for at least ten years through either their own or their spouse’s employment.  

  • Certain younger people with qualifying disabilities, such as ALS (Lou Gehrig’s disease).  

  • Individuals with end-stage renal disease (ESRD).  

 

Other qualifications might apply, depending on the applicant. For example, some people cannot qualify for other Medicare coverage despite qualifying for Part A & Part B. You might not qualify if you or your spouse have not paid into the Medicare tax system during your working life. There are a variety of other rules that might apply for applicants.  

 

Also, many people qualify for Part A coverage without having to pay a premium. So, it’s beneficial to work with a dedicated insurance agent to determine your coverage needs. If you believe you qualify for Medicare, contact one of our agents to discuss your options for coverage. We can help you determine both your eligibility for coverage and how to enroll. 

Posted 5:51 PM

Tags: medicare
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020

  • medicare(11)
  • medicare advantage plans(5)
  • medicare part d(2)
  • medicare supplement plans(2)
  • health insurance(1)
  • life insurance(1)
  • medigap(1)
  • original medicare(1)

View Mobile Version
Contact us
We Make Medicare EASY 888-889-3279
Quick Links
Home Our Products Customer Service Payment Options Report a Claim About Us Our Carriers Partners Blog Contact Us
Our Locations
Baton Rouge: 888-810-9876
Bay St Louis: 228-344-3126
D’Iberville (North Biloxi): 228-456-3090
Port Gibson: Coming soon



Facebook Icon Twitter Icon LinkedIn Icon Google Icon


© Copyright. All rights reserved.
Powered by Insurance Website Builder