Question 1

Is Medicare free after 65?

Accepted Answer

While Original Medicare has no monthly premiums for most people who've paid Medicare taxes through work, it doesn't mean all Medicare coverage is free. You'll still have deductibles, copayments, and coinsurance for services. Many Garden Grove residents find that supplemental plans or Medicare Advantage plans have monthly costs, even if they help cover those out-of-pocket expenses.

Question 2

What is Medicare and what does it do?

Accepted Answer

Medicare is the federal health insurance program primarily for people 65 or older, though it also covers younger people with certain disabilities and End-Stage Renal Disease. It helps pay for healthcare services like hospital stays (Part A), doctor visits and outpatient care (Part B), prescription drugs (Part D), and managed care plans (Part C, or Medicare Advantage). It's designed to provide essential health coverage as you age.

Question 3

What are the 6 things Medicare doesn't cover?

Accepted Answer

Medicare generally doesn't cover long-term care (custodial care), most dental care, eye exams for glasses, cosmetic surgery, acupuncture, or routine hearing tests and aids. These are common areas where Garden Grove residents might need additional coverage through supplemental insurance or specific Medicare Advantage plans. Understanding these gaps is key to comprehensive planning.

Question 4

What are the three requirements for Medicare?

Accepted Answer

The three main requirements for Medicare are being a U.S. citizen or legal resident for at least five years, being at least 65 years old (or younger with a qualifying disability or ESRD), and having worked and paid Medicare taxes for at least 10 years (or your spouse has). These are foundational for eligibility, and we can help you confirm yours.

Question 5

How much will Medicare cost me each month?

Accepted Answer

Your monthly Medicare cost in Garden Grove depends on the coverage you choose. Part A usually has no premium if you've worked enough years. Part B has a standard monthly premium, which can be higher for those with higher incomes. Prescription drug plans (Part D) and Medicare Advantage plans have their own premiums, deductibles, and copays.

Question 6

Does everyone pay $170 for Medicare?

Accepted Answer

No, not everyone pays the same amount for Medicare. Part A typically has no premium for those who qualify. Prescription drug plans and Medicare Advantage plans have varying premiums and costs depending on the plan and your needs in Garden Grove.

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