Medicare savings program — Tempe, AZ

Medicare is the federal health insurance program for people 65 and older, certain younger people with disabilities, and those with End-Stage Renal Disease. It includes Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). We can explain how each part works for you.

Medicare generally does not cover long-term custodial care, most dental services, routine eye exams for eyeglasses, hearing aids, cosmetic surgery, and routine foot care. It's important to be aware of these exclusions when planning your healthcare. We can discuss supplemental plans that may help cover some of these needs.

To qualify for Medicare, you typically need to be a U.S. citizen or a legal resident for at least five years. You must be 65 years old or older, or younger if you have a qualifying disability or End-Stage Renal Disease. Furthermore, you or your spouse must have worked and paid Medicare taxes for at least 10 years. We can help verify your eligibility.

Your monthly Medicare costs depend on the coverage you choose. Part A is often premium-free for eligible individuals. Part B has a standard monthly premium, which can increase for higher-income beneficiaries. Part D premiums vary by plan and the specific drugs you take. We can provide an estimate for Tempe residents.

No, the standard monthly premium for Medicare Part B is not the same for everyone. While there's a base premium, individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA) in addition to the standard rate. We can help you determine if this adjustment applies to your situation in Arizona.

Medicare Part A, which covers hospital stays, is usually premium-free if you or your spouse worked and paid Medicare taxes for at least 10 years. However, Medicare Part B, covering doctor visits and outpatient services, typically has a monthly premium. This premium can be higher for individuals with higher incomes. We can help you understand these costs in Tempe.