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Medicare is a federal health insurance plan primarily designed for seniors.

Medicare came into effect in 1965 under the social security act. The purpose was to provide health insurance typically to senior citizens over the age of 65 regardless of income or medical history. Adults with certain approved medical conditions such as Lou Gehrig’s disease or qualifying permanent disabilities may also be eligible for Medicare benefits.

Most earn the right to enroll in Medicare by working and paying taxes for a minimum required period. If you haven’t work long enough to be entitled to Medicare benefits, you may still be eligible to enroll but you might have to pay more.

There are four parts to the Medicare program. Parts A and B are often referred to as Original Medicare. Part A covers inpatient hospital services. Medicare Part B covers preventive care and doctor’s visits for a monthly premium. Medicare Part C is private health insurance which puts a ceiling on potential amounts owed for healthcare. Medicare Part D offers coverage for prescription drugs.

Alabama Health Guidance can assist you in choosing the insurance plan which will limit your expenses and best suits your needs. We offer free educational classes as well as private consultations. Our services are always at no cost to you and there is never a fee or extra charge for working with an Alabama Health Guidance agent.


Medicare & You...

If you are retiring at 65, are you asking questions like these?

1.  How long do I have to sign up for Medicare?

2.  What are the late enrollment penalties, and how do I avoid them?

3.  There are so many Medicare insurance options, how do I know what’s right for me?

4.  Can I keep my employer coverage after I retire?

5.  How do COBRA and Medicare coordinate?

Are you wondering about working past 65 and asking questions like these?


1.  Do I have to sign up for Medicare Part B?

2.  Should I keep my employer coverage or should I go to Medicare?

3.  Is Medicare going to be my primary or secondary coverage?

4.  Will I be penalized if I do not sign up for Medicare when I turn 65?

5.  Does Medicare offer better coverage than my employer coverage?

6.  What are the rules if I have a High Deductible Health Plan and an HRA?

If you are an Employer, click here.

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