Medicare Frequently Asked Questions

Q: What is Medicare?

A: Medicare is a federal health insurance program for people who are age 65 and over and for those younger who qualify due to a disability, end-stage renal disease (permanent kidney failure requiring dialysis or transplant) or ALS (Lou Gehrig’s disease).

Q: What are the various parts of Medicare?

A: Medicare has four parts, each offering a different type of coverage: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage—Parts A and B benefits administered by a private health plan) and Part D (prescription drug coverage).

Q: What is the difference between Medicare and Medicaid?

A: Medicare is a federal health insurance program for people age 65 and over and younger people who qualify due to a disability. Medicaid is a state-run program that provides health coverage for people with low incomes, regardless of age. It is possible to qualify for both.

Q: How do I qualify for Medicare?

A: You can qualify for Medicare two ways. First, Individuals become eligible for Medicare when they turn 65. Individuals may also become eligible at a younger age due to a disability, a diagnosis of end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease).

Q: Do I automatically receive Medicare when I turn 65?

A: Some Medicare enrollments are automatic (if you’re receiving Social Security or Railroad Retirement Board benefits, or have ESRD or ALS) but most are not. If you do not qualify for automatic enrollment in Medicare, you need to apply when you become eligible or during one of the various enrollment periods. It depends on your specific circumstance. You may visit www.ssa.gov or call Social Security at 800-772-1213 for more information.

Q: How do I enroll in Medicare?

A: You can apply for Medicare online, by phone or in person. You can file for Medicare online at www.ssa. gov when you file for Social Security retirement benefits or If you prefer to apply in person, you can make an appointment by calling Social Security at 800-772-1213. If you are already receiving Social Security benefits, you will automatically be enrolled in Medicare parts A and B. However, because you must pay a premium for Part B coverage, you have the option of turning it down. You will be contacted by mail a few months before you become eligible and given all the information you need.