Medicare refers to a program for the individuals of and above the age of 65 with certain disabilities and diseases. Medicare the FFS scheme, that is, Fee-for-Service covers two parts, Part A and Part B.
Part A covers skilled nursing facility, hospital, hospice, and home health services. Part B covers professional services like those provided by a doctor. In the given case, Kelly is entitled to Part A, but not to Part B. Thus, in order to join a Medicare health plan, she also must enroll in Part B.