Medicare secondary payer — Huntington Beach, CA

For most people, Medicare isn't entirely free after 65. While Part A is usually premium-free if you or your spouse paid Medicare taxes for at least 10 years, Part B and Part D typically have monthly premiums. These costs can vary based on your income. Getting a personalized quote will show you the exact costs for your situation.

Medicare is a federal health insurance program primarily for people aged 65 or older. It also covers younger people with certain disabilities and individuals with End-Stage Renal Disease. Medicare helps cover costs for hospital stays (Part A), doctor visits and outpatient care (Part B), prescription drugs (Part D), and managed care plans (Part C, or Medicare Advantage). Understanding each part is crucial for comprehensive coverage.

Medicare generally doesn't cover long-term care (custodial care), cosmetic surgery, most dental care, eye exams for glasses, hearing aids, and routine foot care. While these services aren't typically included, some Medicare Advantage plans might offer coverage for certain items like dental or vision. It's always best to check your specific plan details.

To be eligible for Medicare, you generally need to be a U.S. citizen or have been a legal resident for at least five years. You must be at least 65 years old, or younger if you have a qualifying disability or End-Stage Renal Disease. If you're not receiving Social Security benefits, you'll need to sign up during your Initial Enrollment Period to avoid penalties.

No, not everyone pays the same amount for Medicare. The standard premium for Medicare Part B is a set amount, but it changes annually. High-income individuals pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of the standard premium for both Part B and Part D. Your specific premium will be determined by your income and chosen plans.