Sign in to medicare — Boston, MA

No, Medicare isn't entirely free after 65. While Medicare Part A, which covers hospital stays, is often premium-free for most people who have worked and paid Medicare taxes, Part B (medical insurance) and Part D (prescription drugs) typically have monthly premiums. The exact cost can depend on your income and the plans you choose in Boston.

Medicare is the federal health insurance program primarily for people aged 65 or older. It helps cover costs for hospital stays (Part A), medical services and doctor visits (Part B), prescription drugs (Part D), and often includes managed care plans like Medicare Advantage (Part C). It's designed to provide essential health coverage for eligible Americans.

Medicare generally doesn't cover things like long-term care (custodial care), most dental care, routine vision exams and glasses, hearing aids, cosmetic surgery, and non-emergency medical transportation. There are often private insurance options or supplemental plans that can help cover some of these expenses for Boston residents.

The primary requirements are being 65 or older and being a U.S. citizen or having been a lawful permanent resident for at least five years. Alternatively, you can qualify if you are under 65 with a disability and have received Social Security disability benefits for 24 months, or if you have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).

Your monthly Medicare cost depends on the parts you enroll in and your income. Part D premiums vary by plan. We can help you estimate these costs for your situation in Massachusetts.

No, not everyone pays the same amount for Medicare. Also, many people pay more due to higher income levels (IRMAA), and Part D premiums can differ greatly.