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About Medicare

Explore Your Medicare Coverage Options

Medicare is

The federal health insurance program

Medicare is the federal health insurance program for:

 

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

Make Sense of Your Medicare Choices

Review coverage options, costs, and the enrollment period that applies to you.

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Understanding Medicare

How does Medicare work?

Original Medicare and Medicare Advantage are two ways to receive Medicare coverage. Your decision should take account of doctors, prescriptions, costs, and how your other insurance works with Medicare.

Start with the official guide to the parts of Medicare, then bring your questions to a coverage review.

Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). You pay for services as you get them. When you get services, you’ll pay a 

deductible

 at the start of each year, and you usually pay 20% of the cost of the Medicare-approved service, called coinsurance. If you want drug coverage, you can add a separate drug plan (Part D).

Medicare Advantage is Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D. Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.

Part A — Hospital Insurance

Helps cover inpatient hospital care, eligible skilled nursing facility care, hospice, and certain home health care, subject to Medicare's coverage requirements.

Part B — Medical Insurance

Helps cover medically necessary doctor and outpatient services, durable medical equipment, and many preventive services. Premiums and other cost sharing may apply.

Part C — Medicare Advantage

A Medicare-approved private plan is an alternative way to receive your Part A and Part B benefits. Most plans include Part D. Networks, costs, extra benefits, and other rules vary by plan.

Part D — Prescription Drug Coverage

Helps cover prescription drugs through private plans. Check the plan's covered-drug list, pharmacy network, and costs for your specific medications.