Medicare # — Chicago, IL

Medicare isn't usually completely free. Part A, which covers hospital costs, is often premium-free if you or your spouse paid Medicare taxes for at least 10 years. However, Part B (medical services) and Part D (prescription drugs) typically require monthly premiums. These costs can be adjusted based on your income. Call us for a personalized estimate.

Medicare is the federal health insurance program for people 65 or older, certain younger people with disabilities, and individuals with End-Stage Renal Disease. It provides coverage for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Many people also choose Medicare Advantage (Part C) plans, which often combine these benefits. We can help you understand your choices.

Medicare generally does not cover long-term care (custodial care), most routine dental care, eye exams for glasses, cosmetic surgery, acupuncture, and hearing aids. There can be exceptions, and Medicare Advantage plans may offer some coverage for these services. Understanding these exclusions is important for comprehensive planning. Let us guide you.

The main requirements for Medicare eligibility are being 65 years of age or older, being a U.S. citizen or having been a legal resident for at least five years, and having paid Medicare taxes for at least 10 years (for premium-free Part A). If you don't meet the work history for Part A, you can still enroll but will likely pay a monthly premium. We can clarify your eligibility.

No, Medicare costs are not uniform. Part A can be premium-free for many, and Part D premiums vary significantly based on the plan and your prescription needs. We can help you find a plan that fits your budget.