Medicare secondary payer — Cary, NC

For most people, Medicare isn't entirely free after 65. While Medicare Part A, which covers hospital stays, is often premium-free if you or your spouse worked and paid Medicare taxes, you'll likely have to pay a monthly premium for Medicare Part B, which covers doctor visits and outpatient care. The exact cost can depend on your income. Call us to get a personalized quote for your situation in Cary.

Medicare is our country's health insurance program for people aged 65 or older. It also covers younger people with certain disabilities and people with End-Stage Renal Disease. It helps pay for hospital stays, doctor visits, and other healthcare costs. Understanding its different parts, like A, B, C, and D, is key to making informed decisions about your coverage. We can help you sort it all out.

Medicare doesn't cover everything, and it's important to know the gaps. Generally, it doesn't cover long-term care, most dental care, routine vision exams, cosmetic surgery, acupuncture, or hearing aids. These exclusions mean you might need supplemental insurance or pay out-of-pocket for these services. Figuring out these details for your needs in Cary is what we're here for.

To be eligible for Medicare, you generally need to be a U.S. citizen or have been a legal resident for at least five years. You also need to be 65 or older, or younger than 65 with a qualifying disability or End-Stage Renal Disease. Meeting these basic criteria is the first step to enrolling. We can help you understand if you meet all the necessary qualifications for coverage.

The monthly cost of Medicare varies depending on the parts you enroll in and your income. For instance, Medicare Part B has a standard premium, but higher earners pay more. Medicare Part D, for prescription drugs, also has premiums that differ by plan. Factors like your individual circumstances and the specific plans available in Cary will determine your actual monthly expenses. Call for a free estimate.

No, not everyone pays the same amount for Medicare. The standard premium for Medicare Part B is a baseline, but it can be higher if your income is above a certain threshold. Similarly, Part D prescription drug plan premiums vary significantly based on the plan you choose and the medications you take. Your specific costs will depend on your situation and the plan you select. We can help you find out what your costs might be.