Medicare is an insurance program that covers medical treatments for Americans over the age of 65 and with certain disabilities. It is important to note the different aspects of this special coverage to be able to know whether you are eligible for the program or not.
Medicare has been divided into three different parts to make things easier for you. It covers the hospital insurance. It will also cover the doctor’s expenses, lab tests and medical equipment, preventive services and ambulance services as well. The third part of the insurance also covers drugs as well.
Generally eye exams, or eyeglasses, hearing aids, dental care or special nursing care at home and care provided outside of the United States is not covered by Medicare.
You can work and still get Medicare coverage if your employer is not paying for your health insurance and if you are willing to pay for it but only when you reach the age of 65. If you are a person with disabilities and you are still working, then you can get this insurance provided you have received Social Security disability for at least two years.
You can still work and get Medicare coverage after 65, however, if you have a health coverage through your employer, you may want to delay enrolling with Medicare without having to pay late enrollment fee because you are already paying a health insurance premium. Also, if you have a health care coverage from a former employer which is called a continuation care, then you should apply for Medicare as the continuation care normally ends when you reach the age of 65.