Sign in to medicare — Long Beach, CA

While many people don't pay a premium for Medicare Part A if they've worked and paid Medicare taxes, Medicare Part B typically has a monthly premium. This premium can also increase for individuals with higher incomes. Other parts of Medicare, like Part D for prescriptions, also have associated costs.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger people with disabilities and those with End-Stage Renal Disease. It covers hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Many also opt for Medicare Advantage (Part C) plans.

Medicare typically does not cover long-term custodial care, cosmetic surgery, routine dental cleanings and fillings, routine eye exams for glasses, hearing aids, and most podiatry services. While some exceptions exist for medically necessary procedures, these general exclusions are important to note when planning your healthcare.

To qualify for Medicare, you generally need to be a U.S. citizen or have been a lawful permanent resident for at least five years. You must be 65 or older, or under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these basic citizenship/residency and age/disability criteria is essential for enrollment.

Your monthly Medicare costs depend on the parts of Medicare you choose. Part A often has no monthly premium for those who qualify. Part B has a standard premium, which can be higher for those with higher incomes. Prescription drug plans (Part D) and Medicare Advantage plans have their own premiums, deductibles, and copays.