Medicare # — Phoenix, AZ

Medicare isn't entirely free for most people. While Part A (hospital insurance) is often premium-free if you or your spouse paid Medicare taxes for at least 10 years, Part B (medical services) and Part D (prescription drugs) typically have 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 65 and older, certain younger people with disabilities, and those with End-Stage Renal Disease. It covers hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Many people also opt for Medicare Advantage (Part C) plans, which often bundle these coverages. We can help you understand your options.

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

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 requirement for Part A, you can still enroll but will likely pay a monthly premium. We can clarify your eligibility.

No, Medicare costs vary significantly. 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 plan that fits your budget.