Medicare Basics

Understanding Medicare Basics

Here’s some basic information on the U.S. Government’s Medicare Program – What it is, and what it is not.
Continue reading this page for more info…

Medicare Basics: What is Medicare?

The U.S. government’s largest health insurance program serving more than 62 million people.

MEDICARE IS

  • A federal health insurance program
  • For U.S. citizens and legal residents
  • Individual health insurance

MEDICARE IS NOT

  • Medicaid
  • Social security
  • Family plans

 

Medicare Basics: Who Can get Medicare

You can qualify for Medicare if you meet one of the following requirements:

● 3 months before and after you turn 65 – 7 month window
● Younger than 65 with a qualifying disability
● Have end-stage renal disease (ESRD)

Note: you also may be eligible for Medicare Part A through your spouse, though you must meet the age or disability requirement

Medicare Basics: Enrollment for Original Medicare

Enroll in Orignal Medicare

Medicare Basics: What does Original Medicare cover?

Original Medicare consists of Part A and Part B

Part A
HOSPITAL INSURANCE

  • Hospital room & meals
  • Intensive care
  • Skilled nursing facility care
  • Operating room services
  • Hospice care
  • Rehabilitation services
  • Some home health care

Part B
MEDICAL INSURANCE

  • Doctor visits
  • Annual wellness visits & preventive services
  • Outpatient care
  • Mental health care
  • Clinical lab services
  • Durable medical equipment
  • Ambulance services
  • Occupational physical therapy

Medicare Basics: What does it cost?

Green dollar sign

Part A
HOSPITAL INSURANCE

Premium

Part A is Free (if you’ve worked 40 Quarters or 10 Years)

Part B
MEDICAL INSURANCE

Premium

Part B –2025 Standard Rate is $185 per month for most**

For both Plan A & Plan B – Other Costs Apply

Please contact me so we can discuss your circumstance and define what these extra cost will be.

**If you are an above average income earner, you will have to pay a higher Part B premium.

Not affiliated with the U.S. government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options

Medicare Basics: Part D – Drug Benefits

2025 brings some changes to Part D – Drug Coverage. Please call me to learn about these changes and benefits.

2025 Part D

2025 Part D summary

Medicare Basics: Enrollment Period

Many of the limitations for enrollment have changed. The chart below summarizes options, but please contact me to learn more about the new opportunities.

Hawaiʻi: 808-479-6350
California: 831-889-9699

Enrollment period 2025

Beyond the Basics…

I hope these Medicare Basics have been helpful to you.

To learn about supplemental plans and if they’re right for you, I’d love to help you understand your options.

Please call me at 808-479-6350 from Hawaiʻi, or 831-889-9699 from California. You can also fill out our short contact form.

Together we can find the right solution for you!

photo of Alan Young