Frequently Asked Questions

 Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

• You already get retirement benefits from Social Security or the Railroad Retirement Board.
• You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
• You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

• You have received Social Security or Railroad Retirement
• Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

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•  If you're already drawing Social Security and you're turning 65 you'll automatically be enrolled into Medicare A and B. You will get your Medicare Red, White, and Blue card in the mail about 3 months before you turn 65.
• If you're turning 65 and not drawing Social Security, you will not automatically be enrolled, so you will need to do something proactively to enroll in Medicare

1. You can call the Social Security office 
2. You can go to the social security website https://www.ssa.gov/medicare/sign-up
3. You can go to the Social Security Office

Please note the easy way to do it is if you are turning 65, I would just go ahead and do it online. If you are taking Medicare later, and not drawing Social Security I would go to the office because you will have to give them a form proving that you were still working, so you don't get a penalty 

1. A good thing about Original Medicare is that it is the largest network in the country, so if you have Medicare Parts A/B, you can go to any doctor/hospital in the country that accepts Medicare. There is no HMO or PPO in Original Medicare.

2. The problem with Original Medicare, is that it DOES NOT pay for everything. You WILL have a bill if you only have Medicare.

Medicare Part A (Hospital Insurance) Costs 

Part A monthly premium 

•  Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $505 each month. If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty. 

 Hospital stay in 2024, you pay:

•  $1,632 deductible per benefit period
•  $0 for the first 60 days of each benefit period 
• $408 per day for days 61–90 of each benefit period 
• $816 per “lifetime reserve day” after day 90 of each benefit period (up to a maximum of 60 days over your lifetime) 

Skilled Nursing Facility stay In 2024, you pay: 

•  $0 for the first 20 days of each benefit period 
• $204 per day for days 21–100 of each benefit period 
• All costs for each day after day 100 of the benefit period 

Medicare Part B (Medical Insurance) Costs 

Part B monthly premium 

Most people pay the standard Part B monthly premium amount ($174.70 in 2024). Social Security will tell you the exact amount you’ll pay for Part B in 2024. You pay the standard premium amount if you: 

• Enroll in Part B for the first time in 2024. 
• Don’t get Social Security benefits. 
• Are directly billed for your Part B premiums. 
• Have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $174.70 in 2024.) 

This information came from https://www.medicare.gov/Pubs/pdf/11579-medicare-costs.pdf

Please see the link for additional information

This is where so many people online try to make this complicated, or the carriers mail a bunch of stuff and it makes it complicated. There are not 100 different coverage options for Medicare. There are really only 2. Everything you're looking at, getting in the mail, all the phone calls, the stuff you're seeing online, all of these things fit into 1 of 2 categories. 

1. Medicare Advantage

2. Medicare Supplement (Medigap)