Sign in to medicare — Augusta-Richmond County, GA

Medicare Part A, covering hospital stays, is often premium-free if you or your spouse worked and paid Medicare taxes. However, Part B, which covers doctor visits and outpatient services, usually has a monthly premium. This premium can be adjusted based on your income. We can help you determine your specific costs during a free estimate.

Medicare is the federal health insurance program primarily for people 65 and older, but also for younger individuals with certain disabilities or End-Stage Renal Disease. It covers hospital services (Part A), medical services (Part B), and prescription drugs (Part D). Many also opt for Medicare Advantage (Part C) plans, which bundle these benefits. Let us break it down for you.

Original Medicare typically does not cover long-term custodial care, most dental services, routine vision exams, hearing aids, cosmetic surgery, or regular foot care. These are common areas where individuals seek supplemental coverage. Knowing these exclusions is important for comprehensive planning. We can discuss what's typically not included.

Generally, you need to be 65 or older and a U.S. citizen or a legal resident who has lived in the U.S. for at least five years. Younger individuals may qualify if they have a qualifying disability and have received Social Security disability benefits for 24 months. These are the core eligibility criteria. Call us to check your eligibility.

Your monthly Medicare costs depend on the parts of Medicare you enroll in and your income. While Part A is often premium-free, Part B has a standard monthly premium that can increase for higher earners. Part D prescription drug plans also have varying monthly premiums. A free quote will provide your specific figures.

Your actual Part B premium could be higher if your income exceeds certain limits. Also, if you choose a Medicare Advantage plan, you'll pay a separate premium to the private insurance company. We can provide a personalized estimate.