How to Apply for Medicare

Here is a detailed guide on how to apply for Medicare.

Medicare refers to a health insurance program intended for individuals 65 years of age or older. Individuals with disabilities under this minimum age limit can also secure medicare if other requirements are complied with. Medicare is subdivided into two parts – Part A and Part B. Part A, also known as hospital insurance, does not require policyholders to pay for anything. Meanwhile, Part B or medical insurance requires policyholders to pay for monthly premiums.

Part A vs Part B

Part A medicare plans help pay for hospital care as an inpatient. They also cover expenses from critical access hospitals or small facilities that provide restricted outpatient and inpatient services to individuals within rural areas. Other costs covered by Part A medicare plans include hospice care and skilled nursing facilities.

Part B medicare plans help pay for professional services including doctor’s fees. The coverage also takes care of outpatient hospital care and other medical utilities that Part A does not cover like physical and occupational therapists. Part B pays for these covered services and equipment when they are medically imperative.

Applying For Medicare

First, identify if you are qualified to apply for medicare. You have to be at least 65 years of age and/or disabled or suffering from a chronic condition like renal failure. You or your spouse should have been employed at least a decade in a particular workforce that provided medicare coverage.

Next, if you find yourself eligible for this plan and is ready to apply for medicare, contact the Social Security Administration and ask for an enrollment application form or visit their local office.

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