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Medicare is government health care coverage. Medicare Part A covers hospital insurance and Medicare Part B covers medical insurance.
Only U.S. citizens and permanent legal residents of at least five continuous years are eligible for Medicare. To be eligible for Medicare, you also must either:
If you are turning 65 and are receiving Social Security or Railroad Retirement Board benefits you may be automatically enrolled in Medicare and receive your Medicare card in the mail. If you are not receiving these benefits, you will not be automatically enrolled and you can apply for Medicare through Social Security.
If you have a disability, there is generally a waiting period of two years that you are receiving Social Security benefits before you are eligible for Medicare. After this waiting period, you’re generally automatically enrolled in Medicare. There are certain conditions that could waive your Medicare eligibility waiting period.
Medicare Advantage is another way to get your Medicare Part A and Part B benefits from a private insurance company contracted with Medicare. Medicare Advantage plans must cover everything that Original Medicare (Part A and Part B) cover with the exception of hospice care, which is still covered by Part A. Medicare Advantage plans often offer extra coverage that Original Medicare typically doesn’t cover, such as routine dental, routine vision, prescription drug benefits and more. To be eligible for Medicare Advantage, you must:
Medicare Part D is coverage for prescription drugs offered by private companies contracted with Medicare. You may want Medicare Part D coverage because Original Medicare (Part A and Part B) doesn’t cover most prescription drugs you take at home. You can get Medicare Part D coverage either through a stand-alone Medicare Part D plan or a Medicare Advantage plan with prescription drug coverage.
To be eligible for Medicare Part D you must
There is no exclusion for ESRD patients for stand-alone Medicare Part D plans.
Medicare Supplement insurance plans can help cover costs that Original Medicare doesn’t cover, such as coinsurance, copayments, and deductibles. Like Medicare Part D plans and Medicare Advantage plans, Medicare Supplement insurance plans are offered by private insurance companies contracted with Medicare. To be eligible for Medicare Supplement you must generally:
Medicare Supplement is not generally available to Medicare beneficiaries under 65 who are eligible for Medicare because of a disability. Federal law doesn’t require companies to sell Medicare Supplement polices to people under 65, although some states do require insurance companies to sell to people under 65. However, if you’re under 65 and shopping for a Medicare Supplement Insurance plan, it may cost you more than if you were 65 or older.
Depending on the type of Medicare coverage you enroll in, there may be different enrollment periods. Generally, you can enroll when you’re first eligible for Medicare. Read about eligibility for Medicare.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.