Medicare is health insurance for:
- People age 65 and older who have paid into the system
- Younger people with certain disabilities
- Individuals with end-stage renal disease or ALS
It’s funded by payroll taxes, premiums, and general revenue.
When to Enroll
If you’re turning 65 and not yet receiving Social Security or Railroad Retirement benefits, you must sign up for Medicare. The Initial Enrollment Period to sign up for Medicare begins 3 months before you turn 65 and ends 3 months after the month you turn 65 — a total of 7 months. You may have to pay a penalty if you miss your Initial Enrollment Period.
- Contact Social Security to sign up—ideally, 3 months before your 65th birthday.
Medicare Parts
- Part A – Insurance for hospitalization, home or skilled nursing, and hospice
- Part B – Medical insurance
- Part C – Medicare Advantage Plan, a private insurance option that covers hospital and medical costs
- Part D – Covers prescription medications
Questions? Need Help?
Navigating Medicare can be confusing. Our experts are here to help you understand and save money on your plan, at no cost to you.
Learn more about the Division for Aging Services.