Medicare company — Moreno Valley, CA

Original Medicare has two main parts: Part A (hospital insurance) and Part B (medical insurance). While many qualify for premium-free Part A due to their work history, Part B typically has a monthly premium. Costs can also vary based on your income level. Prescription drug plans have separate costs.

Medicare is the federal health insurance program for people aged 65 and older, as well as younger individuals with certain disabilities or End-Stage Renal Disease. It helps cover the costs of hospital stays, doctor visits, and prescription drugs, ensuring access to necessary medical care. Medicare Advantage plans offer an alternative way to get benefits.

Medicare typically does not cover most dental care, routine vision exams, hearing aids, cosmetic surgery, or long-term custodial care. While Original Medicare has limitations, some Medicare Advantage plans may offer coverage for certain services. Understanding these exclusions is vital for comprehensive planning.

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 65 or older, or under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these basic criteria allows you to enroll.

Your monthly Medicare costs are influenced by your income and the specific plans you choose. Part A is often premium-free, but Part B has a standard premium that can be higher for higher earners. Part D plans and Medicare Advantage plans also have their own premiums, deductibles, and copays. We can help you get a quote.

Part A is often free. The costs for Part D prescription drug plans and Medicare Advantage plans vary significantly by plan. Your total monthly expense depends on your choices.