U.S. citizens and legal residentsLegal residents must live in the U.S. for atleast 5 years in a row, including the 5 yearsjust before applying for Medicare.
You must also meet one of thefollowing requirements:
Medicare has different parts that help cover specific services:
Medicare Part A (Hospital Insurance) - Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.
Medicare Part B (Medical Insurance) - Part B helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.
Medicare Part D (Prescription Drug Coverage) - Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.
Medicare doesn't cover everything. Some of the items and services Medicare doesn't cover include:
If you need services Medicare doesn't cover, you'll have to pay for them yourself unless you have other insurance or a Medicare health plan that covers them.
Options for More Coverage:
Another way to get your Medicare benefits:
All Medicare Advantage plans cover:
Most Medicare Advantage plans cover:
Medicare Advantage plans may offer additional benefits, such as:
Medicare Advantage plans have an annual out-of-pocket maximum to help protect against high costs.
Coordinated care plans:
Other plan types:
Medicare Advantage (Part C) Fast facts:
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here's what happens:
Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
To review Medicare Part A, Part B, Part C and Part D costs at a glance, visit Medicare.gov.
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