Medicare services — Sacramento, CA

Medicare Part A, covering inpatient hospital services, is often premium-free if you or your spouse paid Medicare taxes for a sufficient period. However, Medicare Part B, which covers doctor visits and outpatient care, typically has a monthly premium. Many in Sacramento also choose Part D for prescription drugs, which also incurs a monthly premium. We can help you estimate these costs.

Medicare is the federal health insurance program for individuals aged 65 and older, and for younger people with specific disabilities or End-Stage Renal Disease. Its purpose is to help cover medical expenses, including hospital stays, doctor appointments, and prescription medications. It's a vital component of healthcare for many Sacramento residents.

Medicare generally does not cover long-term care services, most dental care, routine vision exams and glasses, cosmetic surgery, hearing aids, or acupuncture. It's crucial to be aware of these common exclusions to plan your healthcare budget effectively in Sacramento. Supplemental insurance might offer coverage for some of these areas.

To be eligible for Medicare, you typically need to be a U.S. citizen or a legal resident who has lived in the U.S. for at least five years. You also generally need to be at least 65 years old, or younger with a qualifying disability or End-Stage Renal Disease. These are the primary eligibility criteria.

No, the monthly premium for Medicare Part B is not the same for all beneficiaries. Additionally, individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA). We can help you determine your specific monthly payment.