You can qualify for Medicare if you meet one of the following requirements

• Within 3 months of turning 65 or older, even if you still work
• Younger than 65 with a qualifying disability
• Have enstage renal disease (ERD)

Note:  You may be eligible for Part A through your spouse though you must meet the age or disability requirements

Part A – Hospital Insurance

• Hospital room and meals
• Intensive care
• Skill Nursing Facility Care
• Operating room services
• Hospice care
• Rehabilitation services
• Some home health care
• Some drug and medical supplies for in patient stats

Part B- Medical Insurance

• Outpatient care
• Mental health care
• Clinical lab services
• Durable medical equipment
• Ambulance services
• Occupation/Physical therapy

Original Medicare consists of Part A and B but no out of pocket maximum

Part A – Hospital Insurance

• Premium $0.00
• Deductible $1632
• Other Cost $408.00/day 61-80
• $816.00 a day after 90 days

Part B – Medical Insurance

• $174.70/mo
• $240.00 Yearly 20%

• Prescription drugs
• Annual physicals
• Dental, vision and hearing care
• Hearing aids
• Glasses or contacts
• Long term care
• Most care outside the US

It’s a personal decision based on cost, convenience and health history so consider the following questions

• What am I willing/able to spend on programs, deductibles, co-insurance and copays
• Does the plan I’m considering have all the benefits I am looking for
• How important is it to me to have vision, dental and hearing services
• Am I ok with having a restricted list of providers and hospitals in a network?
• Do I feel comfortable using this plan to manage any chronic health conditions I have