What is Medicare?Medicare is a health insurance plan that is owned and managed by the Federal Government. Medicare is found within the Department of Health and Human Services and managed by the Centers for Medicare and Medicaid Services.

Medicare is a government sponsored health program that most people automatically qualify for once they reach the age of 65. Medicare is also used to support medical insurance for people with qualifying disabilities and who are younger than 65 years of age.

Medicare is divided into four categories. Those are Medicare A, B, C, and D. Medicare A covers inpatient services like hospitalization. Medicare B works in conjunction with Medicare A to cover outpatient services such as doctors visits and therapy visits. Medicare A and B are often called “Original Medicare.”

Medicare C is Medicare A and B but managed by third party health systems such as Kaiser. Medicare D is the prescription drug coverage that goes along with Medicare A, B, and C. Most Medicare C plans come with a variation of Medicare D. Medicare C is also referred to as Medicare Advantage.

To qualify for Medicare you need to have worked and paid into the program for a certain amount of years. If you have not qualified by working, you may still be eligible for services, but the penalty is a higher cost each month.

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