controlled more closely by commercial insurance companies. These are often cheaper than traditional Medicare. About 20% of Medicare enrollees have chosen Part C.

4) Part D: Includes prescription drug benefts. There are many different drug plans and formularies available.

To enroll in Medicare under the elderly beneft you have to meet the eligibility criteria.
  • You must be a U.S. citizen or permanent resident
  • You or your spouse must have worked 10 years at a job that deducted Medicare premiums from your pay
  • You must be 65 years old or older

You can also enroll in Medicare if you have received social security benefts for a permanent disability for two years or if you have end-stage renal disease (kidney failure)

The retirement age to receive full social security benefts is now 67. However, Medicare enrollment is still age 65. You can begin the Medicare enrollment process three months before you turn 65. You benefts will start on the frst day of the month of your 65th birthday. For example, if your birthday is April 15, then your Medicare benefts begin April 1. If your birthday happens fall on the frst day of the month, then your Medicare benefts activate the frst day of the month prior. In this case, if your birthday is March 1, your Medicare benefts will commence on February 1.

Medicare currently covers :

Medicare Part A covers inpatient and related medical care:

  • Inpatient hospital care
  • Skilled nursing facility care
THINGS TO KNOW IF YOU HAVE INSURANCE // 15