Medicare
What is Medicare?
Medicare is a federal health insurance program in the United States designed mainly for people aged 65 and older, but it also covers certain younger individuals with disabilities or specific medical conditions.
Who Medicare Is For
Medicare is available to:
- People aged 65 or older
- Individuals under 65 with qualifying disabilities
- People with End-Stage Renal Disease or ALS
The Four Parts of Medicare
Part A: Hospital Insurance
Covers hospital stays, skilled nursing care, hospice services, and some home health care.
Part B: Medical Insurance
Covers doctor visits, specialist appointments, outpatient care, lab tests, preventive care, and medical supplies.
Part C: Medicare Advantage
Offered through private insurance companies. Combines Part A and Part B, and often includes added benefits like dental, vision, hearing, transportation, and prescription drug coverage.
Part D: Prescription Drug Coverage
Helps pay for prescription medications, both generic and brand-name drugs.
Why Medicare Matters
Healthcare becomes more important with age, and Medicare helps reduce the high costs of medical care. It gives seniors access to trusted doctors, essential treatments, and prescription drugs so they can stay healthy and enjoy retirement with confidence.
Claim Your Benefits Today
The 5-Minute Medicare Call Checklist
Still Working at 65? What to Know About Medicare Supplements
Many people delay Medicare or pick the wrong plan simply because they don’t know the rules. This free guide walks you through your choices step-by-step so you can make smart, confident decisions—without guesswork or stress.
Inside the guide, you’ll learn:
1. When to enroll if you're still on employer insurance
2. How Medicare works with your job-based coverage
3. Which Supplement plan fits your health needs
4. The most common mistakes people make at 65
5. How to avoid penalties and unexpected costs
Already have medicare?
Update Your Medicare Plan!
Make sure your Medicare plan still fits your needs. Review your coverage, compare options, and update your plan to get the benefits and savings you deserve.
REVEALED NOW: Your 2025 Medicare Cost Guide
Turning 65? Get a clear breakdown of 2025 Medicare premiums, IRMAA surcharges, and the penalties that hit if you wait too long to enroll.
Inside the guide:
- IRMAA surcharges by income level
- 2025 Medicare premiums and costs
- Late enrollment penalties
- Bonus: How to avoid all of these costs
The average person overpays thousands in Medicare costs simply because they didn’t understand their options. I can help you choose wisely and keep more of your money.
— Albert Ferrin
No-Cost Guidance
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© Copyright Senior Help And You 2025. All rights reserved.
This is a solicitation for insurance. Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.