Medicare (United States)

[File:Medicare-US-Logo.png|thumb|right|The official logo for Medicare in the United States.]]

Medicare is a federal health insurance program in the United States that was established in 1965 under the Social Security Administration (SSA). It is currently administered by the Centers for Medicare and Medicaid Services (CMS). The program principally offers health insurance coverage to American citizens aged 65 and over, and also to some younger individuals with disabilities as determined by the SSA. This includes individuals diagnosed with end-stage renal disease (ESRD) and amyotrophic lateral sclerosis (ALS, or Lou Gehrig's disease). Medicare is organized into four parts: A, B, C, and D.

Parts of Medicare

Medicare Part A

Medicare Part A is also known as "hospital insurance," and it covers inpatient hospital stays, skilled nursing facility care, and some home health care services.

Medicare Part B

Medicare Part B, or "medical insurance," covers certain doctors' services, outpatient care, preventive services, and medical supplies.

Medicare Part C

Medicare Part C, also known as "Medicare Advantage," includes all benefits and services covered under Part A and Part B. Most Medicare Advantage Plans also include prescription drug coverage (Part D). These plans are offered by private companies approved by Medicare.

Medicare Part D

Medicare Part D provides prescription drug coverage. It can help lower prescription drug costs and help protect against higher costs in the future.

Eligibility and Enrollment

Eligibility for Medicare is primarily based on age, with coverage beginning at age 65. However, individuals under 65 may also be eligible if they have certain disabilities or conditions, such as end-stage renal disease or ALS. Enrollment in Medicare can be automatic for some individuals, while others may need to sign up during specified enrollment periods.

Impact and Challenges

Since its inception, Medicare has had a significant impact on the health and well-being of older Americans and those with disabilities. However, the program also faces ongoing challenges, including rising healthcare costs, ensuring adequate funding, and managing care for an aging population.

See Also

• Healthcare in the United States
• Social Security Administration
• Centers for Medicare and Medicaid Services

References

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