The Basics of Medicare: What You Should Know

Here is some important information to keep in mind:

Medicare was created in 1965. The primary purpose of the program is to provide health coverage for individuals 65 years of age and older.

There are four parts to Medicare, with Part C being added in 1997 and Part D in 2003.

Medicare Part A (Hospital Insurance)

Medicare Part A helps cover the cost of inpatient care in the hospital. It also helps cover the cost of skilled nursing care, hospice services and home health care.

There is no charge for Medicare Part A if you are eligible.

A person, or the spouse of a person, who has worked in Medicare-covered employment for at least 10 years (40 quarters), and is a citizen or permanent resident of the United States and at least 65 years of age is eligible. Among those who also are eligible are those who meet Social Security or Railroad Retirement disability requirements and those with end-stage renal disease.

Since medicare cover inpatient care, be careful not to assume that just because you are in a hospital overnight or just because you are taken to a hospital room does not necessarily mean that you are an inpatient. Make sure that you are clear about whether the hospital has admitted you as an inpatient versus holding you for observation.

Medicare Part B (Medical Insurance)

Medicare Part B helps cover medically-necessary health services such as the cost of doctors, outpatient services, durable medical equipment, and home health care. Some preventive services also are covered.

You pay a premium each month for Medicare Part B.

Medicare Part C – Medicare Advantage

Medicare Part C are health plans offered by Medicare providers in Pennsylvania. These plans provide all of your Medicare Part A and Medicare Part B coverage. Many also offer extra coverage such as vision, hearing and dental services and health and wellness programs. Most also include Medicare Part D coverage.