Irving Texas Medicare Insurance

Medicare is a federal health insurance program for the following:

Participants age 65 or older
Participants under age 65 with certain disabilities
Participants of any age with End-Stage Renal Disease (ESRD)

Medicare has the following parts to help cover specific services:

Medicare Part A (Hospital Insurance): Part A coverage is a premium-free program for participants with enough earned credits based on their own work history or that of a spouse at least 62 years of age (when applicable) as determined by the Social Security Administration (SSA).
Medicare Part B (Outpatient and Medical Insurance): Part B coverage requires a monthly premium contribution. With limited exceptions, enrollment is required for members who are retired or who have lost Current Employment Status and are eligible for Medicare.
Medicare Part D (Prescription Drug Insurance): Part D coverage is not required for plan participants enrolled in any of the state programs. Medicare Part D coverage requires a monthly premium unless the participant qualifies for extra-help assistance.

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.