How Medicare Works

Original Medicare is administered by the federal government. In general, costs are incurred for each service. In most cases, you can visit a doctor, other health care provider, hospital, or other facility that participates in Medicare and accepts new Medicare patients. Apart from some exceptions, Original Medicare does not cover for many prescriptions. By enrolling for a Medicare Prescription Drug Plan (Part D), you can however include a drug cover.

With Original Medicare you do not need to choose a family doctor. In most cases, you will not need a referral to see a specialist with Original Medicare, but the specialist will need to register for Medicare. You may already have an employer or union insurance policy that may incur costs that Original Medicare does not cover. If not, you may want to buy a Medicare Supplement Insurance (Medigap) policy.

If you receive social benefits before the age of 65, you should be automatically notified of your enrollment with Medicare shortly before you turn 65 or the 25th month of your disability. The other people can only apply by calling or visiting their social security office to receive Medicare. If you have not obtained Social Security or you have not signed up for a Medicare plan, you can contact the closest Social Security office to get more information. The 2019 AARP Medicare supplement plans can be submitted within seven months, starting 3 months prior to the month in which your 65th birthday falls.

It is best to apply within the 3 months prior to the month which has your 65th birthday. If an application is made during this time, your report will start on the first day of your month of birth. A later application delays the beginning of your services. During the General Filing Period, you can apply for Medicare. It starts from January 1st to March 31st of each year after you turn 65 years.


Your insurance cover begins on the 1st of July of the year you signed up for, and you pay a 10% surcharge on the Part B premium for every 12 months you were eligible for, but not enrolled. If your resources and income are limited, your state can assist you in paying for either Part A or Part B or both. Also, you can qualify for additional help to spend on your Medicare cover for prescription drugs.

If you are still working after the age of 65 or your spouse is working and you are covered by an Employer Health Plan (EGHP), you may postpone enrollment in Part B of Medicare. When you sign up for Medicare Part B, your open registration for Medicare Supplementary Insurance will be triggered at a time when you do not need additional coverage.

The penalty for late participation in Part B does not apply if you are covered by an EGHP based on your current or current employment of your spouse. If you are working after the age of 65, at any time prior to retirement, you can apply for Medicare Part B, but you must put in your application after your formal retirement not more than eight months which is the Special Registration Period to avoid a premium penalty.