Humana medicare replacement — Virginia Beach, VA

Original Medicare (Part A and Part B) isn't entirely free. While Part A usually has no monthly premium if you've paid Medicare taxes for enough years, Part B has a standard monthly premium that most people pay. Some people in Virginia Beach might qualify for financial assistance to help with these costs. It's best to get a personalized quote to see your exact situation.

Medicare is a federal health insurance program primarily for people 65 or older, but it also covers younger people with certain disabilities and End-Stage Renal Disease. It helps cover costs for hospital stays (Part A), doctor visits and outpatient care (Part B), and prescription drugs (Part D). Many Virginians opt for Medicare Advantage (Part C) plans, which bundle these benefits, often including vision and dental.

Medicare generally doesn't cover long-term care services, dental care, eye exams for glasses, hearing aids, cosmetic surgery, or routine foot care. While Original Medicare might not cover these, many Medicare Advantage plans available to Virginia Beach residents offer some coverage for services like dental and vision. Always check the specific plan details.

Generally, you need to be a U.S. citizen or have been a legal resident for at least five continuous years. You also need to be at least 65 years old, or younger if you have a qualifying disability or End-Stage Renal Disease. Meeting these basic criteria is the first step to enrolling in Medicare, whether it's Original Medicare or a Medicare Advantage plan.

Your monthly Medicare cost depends on the plan you choose and your income. Part A is often premium-free, but Part B has a standard premium, which can be higher for those with higher incomes. Medicare Advantage plans and Part D prescription drug plans have their own separate premiums. We can help you understand these costs for your Virginia Beach address.

No, not everyone pays the same amount for Medicare. Also, Medicare Advantage and Part D plans have their own premiums that vary widely. Get a quote to see what applies to you.