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Medicare is the federal government program that supplies health care protection (health insurance) if you are 65+, under 65 and receiving Social Security Impairment Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Illness (ESRD). This Site for Medicare & Medicaid Services (CMS) is the federal company that runs Medicare.

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Once you have actually become Medicare-eligible and enroll, you can select to get your Medicare gain from Initial Medicare, the traditional fee-for-service program used straight through the federal government, or from a Medicare Benefit Strategy, a kind of personal insurance coverage used by companies that agreement with Medicare (the federal government). Original Medicare consists of: Part A (Inpatient/hospital coverage) Part B (Outpatient/medical coverage) If you want Medicare prescription drug coverage (Part D) with Original Medicare, for the most part you will require to actively choose and sign up with a stand-alone Medicare personal drug plan (PDP).

This implies that you will still owe a month-to-month Part B premium (and your Part A premium, if you have one). Each Medicare Advantage Plan need to offer all Part A and Part B services covered by Original Medicare, but can do so with different rules, expenses, and limitations that can affect how and when you get care.

Note that if you have health protection from a union or current or former employer when you become qualified for Medicare, you may immediately be registered in a Medicare Benefit Strategy that they sponsor. You have the option to stay with this strategy, switch to Original Medicare, or register in a different Medicare Advantage Strategy, however you need to talk to your employer/union before making any modification.