Medicare is a health insurance program for the following people:
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 or older and a citizen or permanent resident of the United States. You may also qualify for coverage if you have a disability or ESRD (even if you are younger than 65 years old).
With Medicare, you can choose how you get your health and prescription drug coverage.
Most people don’t have to pay a monthly premium for Part A because they (or a spouse) paid Medicare taxes while they were working.
Everyone must pay a monthly premium for Medicare Part B. You will pay a monthly fee for Medicare Part B. This amount may be higher if you don’t sign up for Part B when you first become eligible. Plus you will be responsible to pay a deductible amount every year.
You may qualify for help to pay your Medicare expenses (such as the monthly premium, deductible and co-insurance). Medicaid is a joint Federal and State program that helps pay medical costs for some people with limited income and resources. Most health care costs are covered if you qualify for both Medicare and Medicaid.
Medicare Savings Programs pay some or all of Medicare’s premiums and may also pay Medicare deductibles and coinsurance for certain people who have Medicare with a low income and limited assets.
To qualify for the Medicare Savings Program, you must have the following:
For more information about your Medicare plan choices, you can visit www.medicare.gov on the web. You can view or download a copy of the “Medicare & You” handbook.
The information provided here was obtained from the Medicare website and the “Medicare and You” handbook. This information is meant to be a general overview and may not contain the most recent updates; for more detailed and up-to date information you should visit the Medicare website www.medicare.gov or call 1-800-325-0778. For questions relating to Medicaid, please call 1-800-642-3195 or visit the Michigan Medicaid website at www.michigan.gov/dhs.