Medicare # — Los Angeles, CA

Medicare isn't typically free, though Part A (hospital insurance) is often premium-free if you or your spouse worked and paid Medicare taxes for at least 10 years. Part B (medical insurance) and Part D (prescription drugs) usually come with monthly premiums. These costs can be influenced by your income. Call us for a personalized estimate.

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

Medicare generally excludes coverage for most long-term care services, routine dental care, eye exams for glasses, cosmetic surgery, acupuncture, and hearing aids. However, certain conditions or specific Medicare Advantage plans might offer some coverage for these. Knowing these exclusions is vital for complete healthcare planning. Let us guide you through it.

To be eligible for Medicare, you generally need to be 65 years or older, be a U.S. citizen or have been a legal resident for at least five years, and have paid Medicare taxes for at least 10 years (for premium-free Part A). If you haven't met the work history for Part A, you can still enroll but will have a monthly premium. We can clarify your eligibility.

No, the cost of Medicare varies. Part A can be premium-free for many, and Part D premiums differ greatly depending on the plan and your medications. We can help you find a suitable plan within your budget.