What You Need to Know
Medicare is a federal health insurance program that helps older adults and certain individuals with disabilities get the healthcare they need. Originally introduced in 1965, it has since become a vital resource for over 65 million Americans. While it doesn’t cover everything, it offers essential protection that helps manage the costs of hospital stays, doctor visits, and more.
Who Medicare Is For
You’re generally eligible for Medicare if:
- You are 65 or older, and a U.S. citizen or permanent resident
- You’re under 65 with a qualifying disability
- You have End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s Disease)
Even if you’re still working or have employer coverage, you may still qualify or need to coordinate benefits.
What Medicare Covers
Medicare is made up of different parts, each designed to cover specific healthcare needs:
- Part A helps with hospital stays, skilled nursing, hospice, and limited home health care.
- Part B covers doctor visits, outpatient care, preventive services, and medical equipment.
- Part D provides prescription drug coverage, offered through private insurance companies.
- Medicare Advantage (Part C) is an alternative way to receive your benefits through a private plan that may include drug coverage and extras like dental or vision.
For a detailed breakdown of each part and how they work together, visit our Plan Options page.
Why Medicare Matters
Healthcare costs tend to rise as we age. Medicare helps ease that burden by covering many of the services and treatments older adults are likely to need. Whether you’re managing a chronic condition or just want routine preventive care, Medicare provides a structured way to access care at lower out-of-pocket costs.
Still Have Questions?
We encourage everyone exploring Medicare to take their time, ask questions, and learn the basics before making any decisions. And remember: this site is here to provide clear, unbiased information—no sales, no pressure.
For details on when you can enroll, visit our Enrollment Options page.
For guidance on the different types of coverage available, head to Your Plan Options.