(RRB), you automatically receive Part A starting the first day of the month you turn age 65.

Typically, in order to be eligible to receive Social Security benefits and Medicare, a person needs to have paid Social Security and Medicare taxes for "40 quarters" or the equivalent of 10 years.

You can also qualify for Medicare if you are under age 65 and disabled.  After you have received disability benefits from Social Security for 24 months you automatically are given Part A.

The Social Security Administration Should send your Medicare Card in the mail 3 months before your 65th birthday.  If you are under 65 and are eligible because of disability, you should receive your Medicare Card 3 months before your 25th month of disability. It is often the case that people who are eligible do not receive their card, and they must call the Social Security Administration at 800-772-1213 to ask for their card or order a "Replacement Card."  If you choose, you can contact directory assistance to get the contact number for your Local Social Security office. 

As earlier stated, most people do not have to pay a monthly cost for Part A, but if you are not eligible for premium free Part A because you have not paid enough Social Security and Medicare Taxes you may be able to pay a Premium to buy PartA if you meet U.S. Citizenship and residency requirements.  But you must also enroll in Part B and pay the associated monthly premium.

Even though most people dont Pay a Monthly Premium cost for Medicare Part A, there are Deductibles and Co-Payments that may be incurred when a Medicare beneficiary spends time in the Hospital. 

 In 2018, the Part A Deductible is $1,340 if you spent even One Day in the hospital.  A person must pay all costs until they meet the Part A deductible, and he could incur that deductible more than one time in a year if he has an additional hospital stay after being home for a certain amount of time.  

As of 2018, If a person spends over 60 days in the hospital the patient would be responsible for co-payments of $335 per day, after the 90th day in the hospital  the co-payments increase to $670 per day.  After using up the 60 days in each person's Lifetime Reserve, there would be No Further Coverage and the Patient would be responsible for All Costs for the remainder of the hospital stay. 

While it isn't common that a person will spend that much time in the hosptial you can see that even while you are Covered by Medicare Part A and you have No Monthly Premium Payments, it is still possible to incur HUGE Medical Costs.  

For this reason, Most People obtain a Medicare Supplement Plan or a Medicare Advantage Plan  to help cover the Expenses that Medicare doesn't cover.  (Medicare Advantage Plans often don't require a Monthly Payment for the Insurance Plan - Many plans offer a $0 Zero Monthly Premium) ... Depending on which type of Health Coverage they choose, a Medicare Beneficiary Might also decide to choose a Prescription Drug Plan (PDP) to cover the Medications they may need.

Medicare Part B (Medical Insurance) is Optional for people who qualify for Original Medicare.  Its purpose is to cover medically necessary services like doctors' services, outpatient care, and some Preventive services. Part B provides coverage for doctors services outside the hospital setting and other medical services that Part A doesn't cover.  Also covered are services or supplies that are needed for the diagnosis or treatment of some medical conditions (for example, laboratory tests, X-rays, physical therapy or rehabilitation services, etc.)

In order to receive Medicare Part B benefits, you must sign up for it and pay a monthly premium, a yearly deductible and Co-payments. The cost for the premium is usually deducted from your Social Security check if you are currently receiving Social Security benefits. 

As of 2018, the Part B premium is $134 per month, and the Part B annual deductible is $183.

After the deductible is met, a Patient will typically pay 20% of the Medicare approved Cost of outpatient services

Obviously, this can result in a HUGE Medical Bill.

For this reason, Most People obtain a Medicare Supplement Plan or a Medicare Advantage Plan to help cover the Expenses that Medicare doesnt cover.  Each plan type is discussed in detail on this site.  Please use the Menu above to find more information.

Original Medicare Part A and Part B are Health Insurance Plans offered by the Federal government to people who are 65 or older, and people under age 65 who have certain disabilities.  Also covered, are people of any age who have End Stage Renal Disease (ESRD), which is permanent kidney failure that requires dialysis or a kidney transplant.  In order to qualify, these people must meet the eligibility requirements.

Original Medicare helps pay for a Person’s health care, but it does not cover All Medical Expenses. There are deductibles and co-payments for Part A & Part B.  A covered person can choose a Medicare Supplement Plan (Medigap) or a Medicare Advantage Plan or a Stand alone Prescription Drug Plan (PDP) to cover the Extra expenses that Medicare doesn’t cover.

The United States Medicare system is managed by the Centers for Medicare & Medicaid Services. Read these articles to determine your eligibility.

Medicare Part B - Eligibility and Cost

Medicare Part A (Hospital Insurance) is given Automatically to the people who qualify for Original Medicare.  Part A helps pay for Inpatient Hospital Care, Skilled Nursing Facility Care, Hospice, Inpatient Rehabilitation Facilites and Home Health Care as long as it is Medically Necessary and Prescribed by a Doctor.  Please Note that Medicare DOES NOT cover Custodial Care, Assisted Living and Nursing Home Expenses.  Individuals May choose to obtain Long Term Care Insurance (LTC) in order to get assistance covering Custodial Care and Nursing Home expenses. 

Medicare Part B (Medical Insurance) is available to all people who qualify for Original Medicare.  It helps cover Outpatient Care such as Doctors' Office Visits and Medical Services performed in Outpatient Facilities and Clinics.  This Medical care is often associated with Preventive services to maintain your health, but Medicare Part B also helps cover expenses related to continuing care and treatment of a Medical Condition or Illness.

Prescription Medications ARE NOT COVERED by Original Medicare.   Most people who are eligible for Medicare will select a Medicare Supplement Plan or a Medicare Advantage Plan to help cover the expenses that Medicare Doesn't Cover.  Even if a person does not choose one of these plans, they are Strongly encouraged to choose a Stand Alone Prescription Drug Plan (PDP) to cover Medications that they might need.

Click the Box. Watch a 2 minute Video with Important Information which will Help you to Choose your Medicare Plan.

Neill Aarons, Independent Agent
(561) 450-5252 (954) 667-9790

Original Medicare (Part A and Part B)

Medicare Basics


Medicare Part A - Eligibility and Cost

What is Covered by Original Medicare ? (Part A and Part B)

Medicare Part A (Hospital Insurance) is given Automatically to the people who qualify for Original Medicare.  Most people will not have to pay a monthly cost (premium) for Part A, because they or their spouse paid Social Security and Medicare taxes while they were working. 

If you receive benefits from Social Security or the Railroad Retirement Board

“We offer Every Medicare Plan that is available to you

and We Charge Nothing!”

Happy Birthday!  

The Majority of Visitors to this website are approaching your 65th Birthday.  And while you celebrate reaching that milestone, you may also face some important questions.  Many of you are planning how you will Pay for your future Medical Expenses.  You are receiving a lot of Mail and phone calls about Medicare.  And You are trying to Simply Understand all of the information that you are receiving about Medicare. This Might be a Good time to get some Unbiased Professional Advice.  

You came to the Right Place.

Let's First explain some Basics about Medicare.
If you Paid Social Security and Medicare Taxes for 10 years or 40 Quarters of a Year, then as you turn 65 years of Age, you are First eligible to receive Medicare Part A and Part B from the Federal Government.  This is sometimes referred to as Original Medicare, Primary Medicare or Government Medicare.

Now, Original Medicare was never intended to cover All of your Medical Expenses, so Most people at 65 will also choose an additional plan to cover what Original Medicare Doesn't cover.  But before we discuss Supplements and Medicare Replacement Plans, you should have a Basic knowledge of what Government Medicare Part A and Part B would provide to you if you never chose an additional plan.