Genesis: Medicare is a United States sponsored health insurance program primarily for seniors (those who are 65 and older) established in 1965 as an amendment to the Social Security Act of 1935. A portion of Medicare is partially funded through payroll taxes. On average, an individual will receive $3 in Medicare coverage for every $1 they pay into the system.

Rules, Options and Choices: Medicare has many rules, options and choices that requires a beneficiary to make a series of informed, affirmative decisions regarding levels of care, costs and the nature of the health care delivery systems.

Enrollment Process: An important part of the Medicare process is an understanding of the enrollment process and cut-off dates for enrollment. Delaying enrollment in the various Medicare "Parts" can result in material monetary penalties in the form of an increased month premium over a certain period of time.

Retirement Steps Medicare Enrollment Table
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