What is Medicare?

Introduced by President Lyndon Johnson in 1965, Medicare is the federal healthcare insurance designed to provide coverage to the following groups of people:
  • Those who are 65 years of age and older

  • Those with permanent kidney failure, also known as End-Stage Renal Disease (ESRD) requiring dialysis or a transplant

  • Some young people with disabilities



How does it work?

Medicare’s three main coverage plans:

  • Part A: Hospital Insurance
  • Part B: Medical Insurance
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Most people qualify for Original Medicare for one of the three reasons

  • They are 65 years of age or older
  • They have a covered disability
  • They have End Stage Renal Disease

Enrollment Period

If you qualify because of age, your enrollment period begins 7 months before your 65th birthday, the month of your birthday, and 3 months after your 65th birthday. Not signing up for Medicare within this window might cause you late penalties for as long as you are covered.

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