Medicare is a federal health insurance program for people ages 65 and older. It can also cover younger people who have disabilities or severe health conditions. It is divided up into four different parts.

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1. Medicare Part A, is designed to cover inpatient care in a hospital, limited time at a skilled nursing facility, some health care & hospice care. This is free if you’ve worked for 10+ years and have paid social security taxes. You will need to fill out an application for Medicare in order to be covered.
    

2. Medicare Part B includes medical insurance. This will cover a range of medical services like doctor visits and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services. As with all plans, there are coverage limits, and this option isn’t free. The annual premium for Part B is $170.10  and the deductible is $233 (as of 2022). You are automatically enrolled when you become eligible for social security.
    

3. Medicare Part C is known as Medicare Advantage. It allows you to get Medicare coverage through private companies. The benefit of Medicare Part C is that it often provides better coverage, but you must have Part A and B to be considered eligible. Costs vary according to state and providers. 
    

4. Medicare Part D covers prescription drugs. You don’t have to enroll in this part of Medicare, but if you take medications regularly, it might be a good idea for you to consider it. This plan comes with a monthly premium based on the coverage amount.

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