Medicare is a nationwide federally administered health insurance program for eligible individuals, usually age 65 and older. Medicare has three parts: Medicare Part A covers inpatient hospital costs; Medicare Part B covers outpatient medical and physician costs; and Medicare Part D covers prescription drug costs.
Most people receive Medicare Part A premium free because they or a spouse paid Medicare taxes while they were working. Everyone must pay the Medicare Part B premium. If you or your spouse did not pay the Medicare tax while you worked and you’re age 65 or older, you can request to purchase Medicare Part A or you may qualify for the CalSTRS Medicare Premium Payment Program.
To enroll in Medicare Part A and Part B, call Social Security at 800-772-1213 or visit your local Social Security office.
If you learn from Social Security that you are not qualified, not eligible or do not have enough credits to receive Medicare Part A premium-free, you may purchase Medicare Parts A and B.
The Center for Medicare and Medicaid Services does not allow third party providers to pay Medicare Part D premiums, including CalSTRS.
Medicare Part D is offered by private prescription drug insurance companies under contracts with the federal government. Medicare Part D coverage and premiums differ depending on such factors as benefits offered, location and date of enrollment.