Home health care services medicare — Cary, NC

While many people qualify for premium-free Part A, which covers hospital stays, most will pay a monthly premium for Part B, which covers doctor visits and outpatient care. The exact cost depends on your income. Understanding these basics is key to planning your healthcare budget in Cary.

Medicare is a federal health insurance program primarily for people aged 65 and older, as well as younger people with certain disabilities. It helps cover costs for hospital stays (Part A), doctor visits and outpatient services (Part B), prescription drugs (Part D), and managed care plans (Part C or Medicare Advantage). It's designed to provide a safety net for healthcare expenses.

Medicare generally doesn't cover long-term care (custodial care), dental care, eye exams for glasses, cosmetic surgery, acupuncture, or hearing aids. These exclusions mean you'll need to explore other insurance options or pay out-of-pocket for these services. This is a common point of confusion for many.

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, be 65 or older (or under 65 with a disability, or have End-Stage Renal Disease). Meeting these core criteria is the first step in enrolling.

The monthly cost of Medicare varies. Part D premiums also vary by plan. We can help you understand these costs for your specific situation in Cary.