Medicare is a federal health insurance program for people who are disabled or aged 65 and older. People under age 65 have to receive Social Security Disability (SSDI) for at least two years, or have End Stage Renal Disease, to get Medicare. Medicare has three parts: inpatient hospital coverage (Part A); outpatient coverage (Part B); and prescription drug coverage (Part D). Its beneficiaries access care through either original Medicare, using their “red, white, and blue” Medicare card, or a Medicare managed care plan (also known as a Medicare Advantage Plan). Because Medicare has substantial cost-sharing, most beneficiaries obtain additional or supplemental coverage for help with out-of-pocket costs.
PHLP publications are intended to provide general legal information, not legal advice. If you have questions about how the law applies to your particular situation, please consult a lawyer or call the Helpline at 1-800-274-3258.