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Ashford Insurance

Haltom City Texas Medicare Insurance

Haltom City Texas Medicare Insurance

Medicare is the federal government’s health insurance program for people aged 65 or older; younger people with disabilities; people with Lou Gehrig’s disease, also called amyotrophic lateral sclerosis or ALS; and people with end-stage renal disease (permanent kidney failure requiring dialysis or transplant). To maximize the value of the health plan, make sure to sign up at the correct time and take advantage of the free and low-cost services Medicare provides.

Here’s what Medicare covers and how much you can expect to pay for benefits and services.

What Is Medicare?

Medicare helps cover the costs of health emergencies and chronic conditions, but it can also be used to help maintain good health. Medicare beneficiaries have to pay premiums and a variety of other out-of-pocket costs and must make decisions about their coverage options.

Are You Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement
  • Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.