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Medicare

Medicare Benefits

Medicare is a federal health insurance program that helps millions of Americans pay for medical care. It is
mainly for people aged 65 and older, but it also covers some younger individuals with disabilities or specific
medical conditions. Medicare helps reduce the cost of hospital stays, doctor visits, and prescription
medications, giving individuals access to the healthcare they need without overwhelming expenses.

The program is managed by the Centers for Medicare & Medicaid Services (CMS) and works with the
Social Security Administration to provide health coverage to those who qualify. Understanding the different
parts of Medicare can help you choose the right coverage for your needs.

Who Qualifies for Medicare?

You may qualify for Medicare if you meet any of the following conditions:
  • You are 65 years or older
  • You are under 65 but have a qualifying disability and have received Social Security Disability benefits for at least 24 months
  • You have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)
Most people qualify for premium-free Medicare Part A if they or their spouse worked and paid Medicare taxes for at least 10 years. Others may still qualify but may have to pay a monthly premium.

How Medicare Works

Medicare is divided into several parts that cover different types of healthcare services:
  • Part A: Covers hospital stays, nursing facility care, hospice care, and some home health care.
  • Part B: Covers doctor visits, outpatient care, preventive services, and medical supplies.
  • Part C (Medicare Advantage): Combines Parts A and B, often including extra benefits like vision, dental, or prescription coverage through private insurance companies.
  • Part D: Covers prescription drugs and helps reduce the cost of medications.
You can enroll in Medicare through the Social Security Administration. Enrollment usually begins three months before your 65th birthday and lasts for seven months. If you are receiving Social Security benefits, you may be automatically enrolled.

Why Medicare Is Important

Healthcare costs can be expensive, especially for seniors or those with chronic conditions. Medicare helps make healthcare more affordable and accessible by covering major medical expenses. With Medicare, you can focus on your health without the stress of paying high medical bills.

Need Help Applying for Medicare?

Applying for Medicare or choosing the right coverage can be confusing, especially with multiple plan
options and deadlines. Working with an experienced representative can help you understand which parts
you need, when to apply, and how to avoid penalties.

Marine Poghosyan, Your Authorized Representative, helps individuals understand their Medicare options,
complete applications, and ensure their coverage starts on time. She provides step-by-step guidance so
you can make confident decisions about your healthcare and benefits.

Secure Your Retirement

Don’t leave potential benefits unclaimed. Schedule a consultation to review your work history and retirement strategy with our legal representative.
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