Medicare is a federal health insurance program primarily for people aged 65 and older. It also covers certain younger individuals with disabilities or end-stage renal disease. Most people become eligible at age 65.

Medicare has four parts:

Part A: Hospital insurance

Part B: Medical insurance

Part C (Medicare Advantage): All-in-one plans offered by private insurers

Part D: Prescription drug coverage

Medicare Advantage (Part C) plans bundle your Medicare Part A and Part B benefits into a single plan offered by a private insurer and often include additional benefits. Medigap policies supplement Original Medicare by covering out-of-pocket costs like deductibles and coinsurance.