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Medicare has five main options that offer healthcare benefits to people aged 65 and older and people with disabilities and some chronic conditions:. Because there are so many different plans for Medicare, it can be confusing to know which plan will give you the right coverage. Fortunately, there are some tools that can make it easier for you. Medicare is the insurance plan offered by the federal government for people aged 65 and over, as well as people with disabilities and people who have end-stage renal disease ESRD , a type of kidney failure. Each part covers different aspects of healthcare. You can enroll in one or more parts of Medicare, but the most common parts people enroll in are parts A and B, known as original Medicare. These parts cover the majority of services. People usually have to pay a monthly premium, but this varies widely based on income. It provides benefits for services like:. Part A also provides limited coverage for skilled nursing facilities if you have a qualifying inpatient hospital stay — three consecutive days resulting from a formal inpatient admission order written by your doctor.
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