Medicare is a federal plan, which offers health
insurance to retired individuals, regardless of medical condition. Any individual
who is getting Social Security advantages would automatically be enrolled in
Medicare at the age 65 that is the age of eligibility. If you are not getting
Social Security advantages prior to age 65, you would be by design enrolled
when you apply for benefits at age of 65. If you decide to delay retirement
until after age 65, remember to enroll in Medicare at age of 65 anyway, just
because your enrollment would not be automatic. Individuals who would be automatically
enrolled in Medicare would be further receiving notification by mail from the
Social Security Administration, normally several months before your 65th birthday.
Most people become qualified for Medicare in age 65 and becoming qualified for
Social Security retirement benefits as well. Additionally, you might be qualified
if you are disabled or have end-stage renal disease.

Coverage

Medicare coverage consists of two parts--Medicare
Part A (hospital insurance) and Medicare Part B (medical insurance). Medicare
Part C (Medicare+Choice) is a program that allows you to choose among several
types of health care plans.

Medicare Part A (hospital insurance)

Generally recognized as "hospital insurance", Part A covers services
related with inpatient hospital care (i.e., the costs related to an overnight
stay in a hospital, skilled nursing facility is provided, or psychiatric hospital,
such as charges for the hospital room, meals, and other nursing services). Part
A also covers hospice care and other home health care.

Medicare Part B (medical insurance)

Generally recognized as "medical insurance", Part B covers few medical
cares. Physician care, whether it was received as you were an inpatient at a
hospital, at any doctor's office, or could be an outpatient at a hospital
or any other health care facility; is covered under Part B. Other coverages
are laboratory tests, and other physical therapy or therapy services, and good
ambulance service.

Medicare Part C (Medicare+Choice)

The 1997 Balanced Budget Act extended the types of private health insurance
plans, which might provide Medicare benefits to carry medical savings accounts,
managed care plans, and other private fee-for-service plans. The new Medicare
Part C health care plans are in addition to the fee-for-service options accessible
under Medicare Parts A and B.



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