How to buy Medicare Advantage in Boston MA? It sounds like an easy question, but the answer can be complex—especially if you are new to Medicare. That’s why we’ve put together this helpful guide to help you more easily navigate the Medicare program. It began in July of 1965 when President Lyndon B. Johnson signed the Medicare bill into law, creating a national program for seniors 65 and older to get much-needed healthcare coverage. Sign Up
The federal program has evolved over the years to meet the needs of more people, including younger individuals with certain disabilities, or people of any age that have End-Stage Renal Disease (ESRD) or ALS. Today, more than 61 million people are covered under Original Medicare and Medicare Advantage plans.
Who Can Receive Medicare?
To be eligible for Medicare benefits you must be a U.S. citizen or legal resident who has lived in the U.S. continuously for at least the last five years, including the five years just before applying for Medicare. You must also meet these criteria:
- You are 65 or older
- You are receiving Social Security or railroad retirement benefits or have worked long enough to be eligible for those benefits but are not yet collecting them.
- You or your spouse is a government employee or retiree who has not paid into Social Security but has paid Medicare payroll taxes while working.
You may also be eligible if you are younger than 65, and meet at least one of these criteria:
- You have been entitled to Social Security disability benefits for at least 24 months (that need not be consecutive); or
- You receive a disability pension from the Railroad Retirement Board and meet certain conditions; or
- You have Lou Gehrig’s disease, also known as amyotrophic lateral sclerosis (ALS), which qualifies you immediately; or
- You have permanent kidney failure requiring regular dialysis or a kidney transplant — and you or your spouse has paid Social Security taxes for a specified period, depending on your age.
Types of Medicare
The different Medicare plans might seem like a confusing alphabet soup of coverage options, but having options is a good thing. Not only are there plans to cover your current healthcare needs, but over time, if your health requirements change, you’ll be able to move into a different plan.
Essentially, there are four basic parts, each covering specific services. Here’s the breakdown below. Also, feel free to download our quick reference guide here.