Special statement about Medicare: SSA makes it very clear, there are no exceptions

The Social Security Administration (SSA) has issued a special statement about Medicare in the United States. The message is clear: there are no exceptions, and the access process is regulated for everyone. We explain in simple terms what it means and why it's so important.

About Medicare: SSA of the US Clarifies All Doubts

Medicare is a federal government health insurance program in the United States, created in 1965 under SSA. It covers people who are 65 years old or older (65 years), and also younger individuals with certain medical conditions or disabilities.

Part A covers hospitalization, care in skilled nursing facilities, and home health services. It's free if the beneficiary or their spouse worked and paid Medicare taxes for at least 10 years. Part B covers doctor visits, medical services, tests, therapies, and durable medical equipment, with a monthly premium that in 2025 is 185 USD, and an annual deductible of 257 USD.

Meanwhile, Part C (Medicare Advantage) includes private plans approved by the government that combine A, B, and usually D, and include extra benefits like vision and dental. Part D (prescription drugs): drug coverage, through federally regulated private plans.

Attention: Find Out If You Can Access Medicare

All U.S. citizens or permanent residents for at least five years, who are 65 years old or older (65 years), or people with disabilities (for example, SSDI for 24 months, or illnesses like ALS or end-stage renal disease), meet the requirements. There are no exceptions: SSA makes it clear.

If a person receives Social Security or Railroad Retirement Board benefits, they're automatically enrolled in Parts A and B when they turn 65 years old (65 years). If they don't receive those benefits, they can enroll within the established periods without penalty.

Cost of Health Insurance

Part A is generally free if requirements are met; otherwise, it costs between 285 USD and 518 USD per month, depending on work history. The deductible for hospital admission in 2025 is 1,676 USD, plus copayments for additional days.

Part B has a standard premium of 185 USD/month, plus a high-income adjustment (IRMAA), which can raise it between 259 USD and 629 USD. There's also an annual deductible of 257 USD; then the patient usually pays 20% of services.

Other Details of Medicare

SSA manages enrollment, premiums, and income data for the IRMAA adjustment. If enrollment in Part B is delayed without alternative coverage, there's a 10% penalty for each year of delay. For those who use expensive medications, Part D offers coverage although with an additional premium depending on the private plan and also IRMAA.