Medicare 101 - Questions and Answers - Belleville, Illinois

Medicare is a federal health insurance program for: People 65 and older Some younger people with disabilities People with End-Stage Renal Disease (permanent kidney failure) You’re usually eligible at age 65 if you or your spouse worked and paid Medicare taxes for at least 10 years.

Part A (Hospital Insurance): Covers hospital stays, nursing facility care, hospice, and some home health care. Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and some home health care. Part C (Medicare Advantage): A private plan that bundles Part A, Part B,

Part A: Usually free if you paid Medicare taxes long enough. Part B: Most people pay a monthly premium (standard amount was around $185.00 in 2025). Part C and D: Costs vary depending on the private plan you choose.

Initial Enrollment Period (IEP): 7-month window starting 3 months before your 65th birthday. General Enrollment: Jan 1 – Mar 31 each year (coverage starts July 1, late penalties may apply). Special Enrollment Periods (SEP): If you delay due to employer coverage or other qualifying reasons.

Medicare is mainly for seniors and certain disabled individuals, regardless of income. Medicaid is a state and federal program for people with low income and limited resources. Some people qualify for both (called "dual eligible").

Short Answer: Yes, you can enroll in a Medicare Advantage plan while having TRICARE For Life (TFL). However, it's important to understand how these two programs interact:​ More on this at the meeting.