Medicare savings program — Norfolk, VA

Medicare is the federal health insurance program primarily for people 65 and older, as well as younger individuals with certain disabilities or End-Stage Renal Disease. It helps cover costs associated with medical care, including hospitalizations and doctor visits. Understanding the different parts of Medicare is essential for residents in Norfolk.

Medicare generally excludes coverage for long-term custodial care, most dental procedures, routine eye exams for glasses, cosmetic surgery, hearing aids, and routine foot care. While Original Medicare has these limitations, some Medicare Advantage plans in the Norfolk area might offer benefits for certain services like dental or vision care.

Typically, you need to be a U.S. citizen or a legal resident who has resided in the U.S. for at least five continuous years to qualify for Medicare. You must also be 65 years of age or older, or be younger and have a qualifying disability or End-Stage Renal Disease. These are the foundational eligibility criteria.

No, the standard premium for Medicare Part B is a general guideline, and actual costs can vary based on your income. If your income exceeds certain thresholds, you will pay a higher premium. Fortunately, programs like the Medicare Savings Program can significantly reduce these monthly expenses for eligible individuals in Norfolk.

Part A of Medicare, which covers hospital stays, is often free for individuals who have paid Medicare taxes during their working lives. However, Part B, covering doctor visits and outpatient services, typically comes with a monthly premium. Many people in Norfolk can reduce these costs by qualifying for programs like the Medicare Savings Program. We can help you assess your eligibility.