Medicare company — Boston, MA

While Original Medicare (Parts A and B) has premiums for Part B, Part A is often premium-free if you or your spouse paid Medicare taxes for at least 10 years. The exact cost depends on your work history. Understanding these details is important for budgeting your healthcare expenses in Boston. We can help clarify this for you.

Medicare is the federal health insurance program primarily for people aged 65 or older, though younger people with certain disabilities can also qualify. It helps cover costs for hospital stays (Part A), medical services (Part B), prescription drugs (Part D), and often managed care plans (Part C, or Medicare Advantage). It's designed to provide essential health coverage. Knowing what each part covers is crucial for residents in Boston.

Generally, Medicare doesn't cover long-term care (custodial care), most dental care, eye exams for glasses, cosmetic surgery, acupuncture, and hearing aids. These are common exclusions you should be aware of when planning your healthcare in Boston. Many people opt for supplemental plans to cover these gaps. We can help you explore those options.

The primary requirements for Medicare are age (usually 65 or older), U.S. citizenship or lawful permanent residency for at least five years, and meeting specific work history criteria (usually paying Medicare taxes for at least 10 years). For those under 65, a qualifying disability is also a requirement. These are the basic qualifications. We can help you determine your eligibility.

No, not everyone pays the same premium for Medicare Part B. Your specific premium is based on your tax returns from two years prior. We can help you understand your potential costs.