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Medicare is available in four parts, each of which covers particular solutions or types of insurance policy. Practically everyone that gets Medicare ultimately signs up in the first two components, which have been around considering that the program started in 1966. Component A covers medical facility inpatient care, some types of house health care, hospice care, as well as treatment in skilled nursing centers. There is no premium for Part A if you or your spouse has gained at least 40 Social Security work credits. ( Right here are your choices if you do not have those credit histories.) Part B covers physician services, outpatient hospital care, preventative treatment, as well as some kinds of residence healthcare. You have to pay a month-to-month costs for Part B. In 2015, as in 2014, it's $104.90 for individuals with an income of less than $85,000 a year and pairs with an earnings of less than $170,000. Higher-income recipients pay more.