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(Woman:) I was overwhelmed withMedicare before I turned 65.There were so manydecisions to make!I was confused.If you're almost 65,now is the time to learn allabout Medicare andyour Medicare options.Medicare is a health insuranceprogram for peopleage 65 and older,people under age 65 withcertain disabilities,and those withend-stage renal disease.Eligibility for Medicare isnotbased on your income.Original Medicare has two parts:Parts A and B.Most people get Part Awhen they turn age 65.If you or your spouse paidMedicare taxes while working atleast 40 quarters,no premium is paid toget Part A.If you're not eligible forpremium-free Part A,you may be able to buy it.Medicare Part A helps coverinpatient hospital orskilled nursing care.In most cases,you pay a deductible or copays,based on the lengthof your stay,and then Medicarepicks up the rest.Medicare Part B is voluntary andyou would likely pay a 10%penalty for each year that youaren't enrolled should you needto enroll

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