Medicare services — Boston, MA

While Original Medicare (Part A and Part B) isn't entirely free, Part A often has no monthly premium if you or your spouse paid Medicare taxes for at least 10 years. Part B does have a monthly premium, which can vary based on your income. Understanding these costs is key to budgeting your healthcare in Boston.

Medicare is the federal health insurance program primarily for people aged 65 or older, as well as younger people with certain disabilities and End-Stage Renal Disease. It helps cover costs for hospital stays (Part A), doctor visits and outpatient care (Part B), and prescription drugs (Part D). It's designed to provide essential health coverage for millions across the US, including residents of Massachusetts.

Medicare generally doesn't cover long-term care (custodial care), most dental care, eye exams for glasses, cosmetic surgery, acupuncture, or hearing aids. While it covers medically necessary services, it's important to be aware of these exclusions when planning your healthcare in Boston and surrounding areas.

The primary requirements for Medicare are being a U.S. citizen or legal resident who has lived in the U.S. for at least five consecutive years, and meeting the age or disability criteria. This usually means being 65 or older, or under 65 with a qualifying disability or End-Stage Renal Disease. These are the fundamental steps to eligibility.

The monthly cost of Medicare varies. Part A is often premium-free if you meet the work history requirements in Massachusetts. Part B has a standard monthly premium, but high-income earners pay more. Part D prescription drug plans have their own premiums and potential surcharges. We can help you get a clearer picture of these costs.

However, individuals with higher incomes pay an Income Related Monthly Adjustment Amount (IRMAA), which increases their Part B premium. So, not everyone pays the exact same amount.