Helping you find the right Medicare coverage today!

The U.S. Government has established Medicare, a health insurance system to aid U.S. residents, who have been permanent residents for at least five years, in meeting the costs of their healthcare. However, being a permanent U.S. resident for at least five years and age 65 or older is not the sole requirement for receiving Medicare. You may also be eligible for Medicare benefits if you are under the age of 65 and have certain disabilities or if you have permanent kidney failure.

Medicare has four parts and each has its own requirements:

Hospital Insurance (Part A)

If You Are 65 or Older

You usually don't pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes while working. This is sometimes called "premium-free Part A."

If you buy Part A, you'll pay up to $411 each month.

But, most people get premium-free Part A. You can get premium-free Part A at 65 if:

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

If You Are Under 65

If you are under 65, you can get Medicare Part A (hospital insurance) without having to pay premiums if you have:
  • Received Railroad Retirement Board disability benefits for 24 months.
  • End-Stage Renal Disease and you meet certain requirements.
  • You do not have to pay a premium for Medicare Part A if you meet these specific conditions, but you have to pay a premium if you want Medicare Part B.
  • Anyone who meets Medicare eligibility requirements for Part A (hospital insurance) can enroll in Medicare Part B (medical insurance) by paying a monthly premium.

Eligibility For Family Members

Under certain conditions, a spouse, divorced spouse, widow / widower, or a dependent parent may be eligible for hospital insurance, based on an individual’s work record.

Kidney Failure

Special rules apply to people with permanent kidney failure. Under these rules, an individual is eligible for hospital insurance at any age if they receive maintenance dialysis or a kidney transplant and:

  • They are insured or are getting monthly benefits under Social Security or the railroad retirement system; or
  • They have worked long enough in government to be insured for Medicare.

In addition, a spouse or child may be eligible, based on an individual’s work record, if she or he receives continuing dialysis for permanent kidney failure or had a kidney transplant, even if no one else in the family is getting Medicare.

If You Do Not Qualify Under These Rules

Certain aged people who do not qualify for Medicare hospital insurance under these rules may be able to get it by paying a monthly premium. They must always enroll in medical insurance (Part B) to get this type of coverage. Certain disabled people who lost premium-free hospital insurance because they work can get Medicare hospital insurance again by paying a premium.

Medicare Medical Insurance (Part B)

Almost anyone who is 65 or older, or who is under 65 but eligible for Medicare hospital insurance, can enroll for Medicare medical insurance by paying a monthly premium. Anyone aged 65 or older does not need any Social Security or government work credits to enroll in this part of Medicare.

Medicare Advantage Plans (Part C)

Those with Medicare Parts A and B can choose to receive all of their health care services through an approved Medicare Advantage organization under Part C. There might be additional premiums required for some plans.

Prescription Drug Coverage (Part D)

Anyone who has Medicare hospital insurance (Part A) or medical insurance (Part B) is eligible for prescription drug coverage (Part D). For an additional monthly premium you can elect to join a Medicare prescription drug plan for additional coverage.