How Do I Know If I Have Medicare?
call the medicare toll-free hotline at 1-800-medicare
get a medicare card at any social security office
visit www.medicare.gov to check your eligibility.
if you qualify for medicare, you may also qualify for medicaid. to find out if you qualify, contact your local department of social services.
medicare savings programs
medicare has special programs for some people, including family members of certain veterans, some disabled workers, and people with amyotrophic lateral sclerosis (als) or end-stage renal disease (permanent kidney failure requiring dialysis or transplant). find out if you qualify for a medicare savings program at www.medicare.gov or call the medicare toll-free hotline at 1-800-medicare.
medicare advantage plans
medicare advantage plans are like a regular health insurance plan. you pay your share of the cost with a regular monthly premium. like regular insurance, your costs may be lower if you have an employer or union plan that pays your share of the cost. if you have to pay the full cost, you may qualify for extra help to pay your premium and/or out-of-pocket costs.
medicare advantage plans are available through a private insurance company or a state or county agency. you can enroll when you are first eligible for medicare (at age 65) or during the annual enrollment period, which is the first month of the year.
medicare advantage plans must cover all of the benefits required by medicare, but they can also cover other benefits not required by medicare, such as dental, vision care, or hearing aids. like original medicare, medicare advantage plans have deductibles and co-payments, but these are generally lower than those of most original medicare plans.
• Medicare Supplement Insurance (medicare supplement)
medicare supplement insurance helps pay for some of the expenses that your medicare plan wont cover. this insurance helps cover things like copayments, coinsurance, and deductibles for the part b (doctor visits), part d (prescription drugs), and part a (hospital) insurance.
there are several different types of plans.
• Medicare Advantage Plan (medicare advantage)
medicare advantage plans, also known as managed care plans, are an alternative to original medicare. they usually offer more services, such as prescription drug coverage and vision, dental, or hearing aids.
medicare advantage plans are available in every state and county. to compare plans, check the plan finder at www.medicare.gov.
• Prescription Drug Plan (medicare prescription drug plan)
medicare prescription drug plans are a type of medicare advantage plan. this plan helps cover your prescription drugs not covered by original medicare. these plans are sold by private insurance companies called prescription drug plans or pdp.
• Medicare Cost Plans (medicare health maintenance organization)
medicare health maintenance organization plans provide health care and prescription drugs. they have to follow rules for how health care is delivered and paid for. they must have enough health care providers to care for their members.
• Demonstration or Pilot Plan
a demonstration or pilot plan is testing a new type of medicare advantage plan. a demonstration or pilot plan is run by the state or a private company. they are available in a few states.
• Medicaid (medicaid)
medicaid is a joint federal-state health insurance program for lower-income people and people with disabilities. you may be eligible if youre a low-income senior (age 65 or older) or if you are a younger adult with disabilities. medicaid may pay for part or all of your health care.
medicaid is a shared program. the federal government shares the costs and responsibilities for administering the program with each state. to find out more about medicaid and to find out if you qualify for this program, contact your local department of social services.
• Medicare Cost Sharing
• Medicare Savings Programs
• Medicare Advantage Plans
• Prescription Drug Insurance
• Medicare Cost Plans
• Demonstration/Pilot Plans
The original medicare program is a hospital insurance (hi) program. it pays for inpatient hospital care, skilled nursing facility care, and hospice care. it also pays some costs for home health care.the medicare part b (supplementary medical insurance) program pays for doctor visits, outpatient hospital care, lab tests, x-rays, and other medical services not covered by part a.the medicare part d prescription drug program, or medicare advantage prescription drug plan, pays for prescription drugs not covered by part a or part b. part d is sold by a group of private companies called prescription drug plans or pdp. the government sets limits on how much these plans can charge you.this program helps pay for some of the costs of medicare. this program also is called the low-income subsidy (lisp).the federal government pays for part of the medicare costs for people with low incomes and limited resources. this includes people with disabilities, low-income elderly, and certain people who receive social security or railroad retirement benefits.the medicare savings programs help pay for some of your health care costs. the savings programs include the low-income subsidy (lisp), the retiree drug subsidy (rds), the qualified disabled and working individuals (qdwi), and the qualified individual (qi).this program helps pay for part of your medicare costs. this program also is called the low-income subsidy (lisp).this program helps pay for part of your medicare costs. this program also is called the low-income subsidy (lisp).this program helps pay for part of your medicare costs. this program also is called the low-income subsidy (lisp