Medicare
Your health coverage in the U.S. for seniors and people with special conditions
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What is Medicare?
Medicare is the federal health program in the United States that provides medical coverage to people 65 and older, as well as to certain individuals under 65 with specific disabilities or illnesses. It is divided into different parts that cover hospitalizations, doctor visits, medications, and more.
Who can get Medicare?
Basic eligibility:
● People 65 years of age or older.
● People under 65 with qualifying disabilities.
● People with end-stage renal disease or amyotrophic lateral sclerosis (ALS).
If you're approaching your 65th birthday, now's the time to get informed.
Main coverage and benefits
● Part A: Part A: Hospitalization and skilled nursing facility care.
● Parte B: Doctor visits, preventive services, and tests.
● Parte C (Medicare Advantage): Private plans that combine Part A and Part B and include additional benefits.
● Parte D: Prescription drugs.
Maternal and child health (extra)
Medicare focuses on people 65 and older, but there are support programs for mothers and children, such as Medicaid and CHIP. We'll help you determine if you qualify and how to combine them with your coverage.
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Frequently Asked Questions
What is the difference between Medicare and Medicaid?
Medicare is a federal health program primarily for people 65 and older and certain individuals under 65 with disabilities.
Medicaid, on the other hand, is a combined federal and state program that provides coverage to low-income individuals and families, regardless of age. Some people may qualify for both programs at the same time (“dual eligibles”).
What does Original Medicare cover and what do Advantage plans cover?
Original Medicare (Parts A and B): Includes hospitalizations, doctor visits, preventive services, and some medical equipment.
Medicare Advantage (Part C): These are private plans approved by Medicare that include everything in Part A and Part B and typically offer additional benefits such as dental, vision, hearing aids, wellness programs, and prescription drug coverage.
Can I have Medicare and other insurance at the same time?
Yes. Many people maintain Medicare along with private insurance, retirement insurance, or coverage through a spouse. In those cases, there are "coordination of benefits" rules that determine which insurance pays first.
When should I register to avoid penalties?
The Affordable Care Act (ACA) expanded access to health coverage for immigrants by creating the Health Insurance Marketplace. Lawfully present immigrants, including green card holders and those with other qualifying statuses, can purchase health insurance plans through the Marketplace. Undocumented immigrants are not eligible to purchase Marketplace plans, even at full cost.
"Everyone has different health needs. Our specialists can guide you step by step to understand your eligibility and coverage options."
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