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Medicare is a federal health insurance program in the United States that primarily provides healthcare coverage for people aged 65 and older, as well as for some younger individuals with certain disabilities and medical conditions. Established in 1965 as part of the Social Security Act, Medicare is administered by the Centers for Medicare & Medicaid Services (CMS) and is designed to help eligible individuals access necessary medical services and reduce the financial burden of healthcare expenses.
Medicare is available to most U.S. citizens and legal residents. Eligibility is primarily based on age, disability status, or certain medical conditions like End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Additionally, some special circumstances may qualify individuals for Medicare coverage
The Medicare enrollment periods are defined by specific timeframes. The Initial Enrollment Period (IEP) begins three months before your 65th birthday and extends for three months after. During this period, you can enroll in Medicare for the first time. Additionally, there is an Annual Enrollment Period (AEP) that typically runs from October 15th to December 7th each year. During the AEP, you can make changes to your Medicare coverage. Certain life events, such as moving to a new area or qualifying for Extra Help, may also grant you a Special Enrollment Period (SEP) outside of the regular enrollment periods.