Requirements for Enrolling in Medicare

In the early days of Medicare, it functioned as a fee-for-service plan, but with the years it has begun to incorporate prepaid health care options.

According to government figures, 15% of the population is enrolled in Medicare.

Who Does It Cover?

• People over 65
• Certain people with disabilities
• People with end-stage renal disease (ESRD)

To qualify, you need to be a United States citizen or to have been a permanent resident for at least five consecutive years.

What Services Does It Cover?

Medicare has three different coverage plans, along with a fourth plan that combines parts of the other three.

• Part A:

- The most basic and affordable
- Covers hospital costs
- You don’t have to pay a premium
- Part of Original Medicare

• Part B:

- Covers medical services (doctors, care, prevention)
- You need to meet a minimum deductible
- You will pay a monthly premium depending on your personal income
- Part of Original Medicare

• Part C:

- Known as Medicare Advantage.
- Combination of Parts A, B and D 
- Purchased through a private health plan (PPO, HMO) from an insurance company approved by Medicare
- You need to meet a minimum deductible
- You will pay a monthly premium
- Provides more benefits, but is more expensive

• Part D:

- Covers most prescription drug expenses
- You need to meet a minimum deductible
- You will pay a monthly premium
- You may qualify for additional assistance

More adults are receiving antibiotics due to greater coverage under Medicare Part D.

How much do prescription drugs cost with Medicare? The prices vary by region

When Can I Sign Up?

• As soon as you qualify, in order to avoid paying a penalty later on.
• You can sign up for Medicare even if you are still under your job’s group coverage.

Resources:

1. U.S. Department of Health and Human Services (HHS): Agency for Healthcare Research and Quality (AHRQ).
2. Pew Hispanic Center: Hispanics and Health Care in the United States
3. Medical News Today