What Is Medicare?

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Medicare is a federal health insurance plan.

Established in 1965 as a part of the Social Security Act, Medicare was designed to provide health insurance to U.S. citizens aged 65 and older, irrespective of their income or medical history.

Upon reaching 65, every U.S. citizen becomes eligible for Original Medicare, which is divided into two parts: Part A covers inpatient hospital services, while Part B is for outpatient medical services. Additionally, prescription drug coverage is available through Medicare Part D. For those seeking more comprehensive coverage, Medicare Part C, also known as Medicare Advantage plans, are available.

These plans, offered by private insurance companies, combine the benefits of Original Medicare and Part D, along with additional health services.

Once you know you qualify for Medicare, you can evaluate your coverage options.

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Medicare Eligibility

To be qualified for Medicare, you must first be a U.S. citizen or legal resident who has lived in the United States for at least 5 years. If you fulfill that requirement and have worked for at least ten years, you will be automatically enrolled in Medicare Part A when you reach the age of 65, which will cover emergency hospital visits. You are also able to enroll in Medicare Part B, which covers preventive care and doctor visits for an annual cost.
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Special Circumstances

If you are under the age of 65 and have a disability or a life-threatening condition, you may be eligible for Medicare coverage. If you are under the age of 65, you may be eligible for Medicare if you meet the following criteria:

What’s Not Covered Under Medicare Parts A & B

Expert Guidance

While Original Medicare covers some essentials, it does not cover all of your expenses. The following services and expenditures are not covered under Original Medicare:

  • The majority of dental care/dentures
  • Eye examinations and prescription glasses
  • Prescription medications
  • Aids to hearing
  • Long-term care services
  • Homeopathic treatment
  • Acupuncture
  • Orthopedic footwear and foot care
  • Routine or physical examinations
  • Health-care deductibles, coinsurance, or copayments
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