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2024 Medicare & You |
Medicare is health insurance for people:
- age 65 or older,
- under age 65 with certain disabilities, and
- any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).
Medicare has:
Part A (Hospital)– Most people automatically get Part A coverage without having to pay a monthly premium because they, or their spouses, paid Medicare taxes while working.
Part B (Medical)– Most people pay a monthly premium for Part B.
Part C (Medicare Advantage Plans like HMOs and PPOs)– Plans include Part A (Hospital) and Part B (Medical) coverage. Most also include Medicare prescription drug coverage. You pay a monthly premium for your health and prescription drug coverage. Some plans don’t charge a premium.
Part D (Prescription Drug Coverage)– Most people pay a monthly premium for this coverage.