Medicare Part A & B


What Do Medicare Part A and Part B Cover?

Part A covers the following types of services:

  • Hospital care
  • Skilled nursing facility care
  • Nursing home care (as long as custodial care isn't the only care you need)
  • Hospice
  • Home health services

Part B covers two types of services:

  • Medically necessary services: Outpatient physician services or supplies that are needed to diagnose or treat your medical condition
  • Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best

When Do I Qualify for Medicare?

You normally qualify for Original Medicare on the first of the month in which you turn 65. To qualify you must be a U. S. citizen or permanent resident for more than 5 years, and you or your spouse must have worked for at least 10 years (40 work quarters in total). You may also be able to qualify before you reach age 65 if you receive Social Security Disability benefits for 24 consecutive months.

When and How Do I Enroll in Medicare?

Enrollment in Medicare Part A is usually automatic, although for some individuals it may be necessary to physically enroll in Part A, either on-line at www.medicare.gov or at your local Social Security office. In most cases Part A is free, but there is a monthly charge for Part B and enrollment is not automatic. You must enroll in Part B at your local Social Security office or on-line, or call our office to help you enroll.

Your Initial Enrollment Period (IEP) for Medicare stretches over a period of seven months: your month of birth and the three months before and the three months following that month. You may enroll in Medicare at any date within that block of time. Note that if you fail to obtain your Medicare during that time period you will have to wait until Medicare's open enrollment period at the beginning of the following year and you may be subject late enrollment fees.

Enrollment in Part B is optional. Normally you do not need to enroll in Part B if you are covered by your or your spouse's employer's plan and that employer has a minimum of 20 employees. However, if your or your spouse's employer has fewer than 20 employees you will need to enroll on Part B to have complete coverage. Also, although Part B is optional you will not be able to enroll in a Medicare Advantage or Medicare Supplement if you are not on Part B.

Introduction To Medicare

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Medicare Part A & B

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Medicare Part C

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Medicare Part D

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What Do They Cost?

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Compare Plans

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