Medicare services — Norfolk, VA

Medicare is the federal health insurance program primarily for individuals aged 65 and older, and for younger people with certain disabilities. It covers hospital stays (Part A), medical services (Part B), and prescription drugs (Part D), with Medicare Advantage plans (Part C) offering bundled coverage through private insurers. We can explain these different components for Norfolk residents.

Medicare generally doesn't cover long-term care, routine dental care, routine vision care, hearing aids, cosmetic surgery, or most experimental treatments. These are common areas where people seek additional coverage through supplemental plans. Understanding these exclusions is vital for comprehensive healthcare planning. We can discuss options to fill these coverage gaps.

Generally, to be eligible for Medicare, you must be a U.S. citizen or have been a legal resident for at least five consecutive years. You need to be age 65 or older, or younger with a qualifying disability. Having worked and paid Medicare taxes for at least 10 years is typically required for premium-free Part A coverage. These are the main eligibility criteria.

Your monthly Medicare costs will vary based on the parts of Medicare you enroll in and your income. While Part A is often premium-free, Part B has a standard monthly premium that can be higher for individuals with higher incomes. Medicare Advantage and Part D plans have their own monthly premiums set by the private insurance companies. We can provide a personalized cost estimate for your Norfolk situation.

No, not everyone pays the same amount for Medicare. Part A is often premium-free, and Medicare Advantage and Part D plans have their own varying monthly costs. We can help you determine your specific monthly expenses.

Part A of Medicare is often premium-free if you or your spouse have paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient care, generally has a monthly premium. Additionally, Medicare Advantage plans and Part D prescription drug plans have their own monthly costs. We can help clarify your eligibility for premium-free Part A.