Question 1

Is Medicare free after 65?

Accepted Answer

Medicare Part A is often free for individuals who have paid Medicare taxes for 10 years or more. However, Medicare Part B, which covers doctor visits and outpatient services, typically has a monthly premium. Prescription drug plans and Medicare Advantage plans also have their own costs. A free quote can help you understand your specific monthly expenses in Rochester.

Question 2

What is Medicare and what does it do?

Accepted Answer

Medicare is the federal health insurance program for people 65 and older, younger individuals with disabilities, and those with End-Stage Renal Disease. It provides coverage for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Medicare Advantage plans (Part C) offer an alternative way to receive Medicare benefits, often with additional features. We can help you understand these parts.

Question 3

What are the 6 things Medicare doesn't cover?

Accepted Answer

Medicare generally doesn't cover long-term care, routine dental care, most eye exams for glasses, cosmetic surgery, hearing aids, or acupuncture. These are common areas where individuals often need to seek supplemental coverage or pay out-of-pocket. It's important to be aware of these exclusions to plan your healthcare needs effectively in Rochester.

Question 4

What are the three requirements for Medicare?

Accepted Answer

To be eligible for Medicare, you generally need to be 65 or older and a U.S. citizen or legal resident who has resided in the U.S. for at least five years. You may also qualify if you are under 65 and have received Social Security disability benefits for 24 months, or if you have End-Stage Renal Disease. These are the fundamental eligibility criteria.

Question 5

How much will Medicare cost me each month?

Accepted Answer

Your monthly Medicare costs depend on the parts you enroll in and your income. While Part A is often premium-free, Part B has a standard monthly premium that can be higher for individuals with higher incomes. Medicare Advantage and Part D plans have their own premiums, which vary. We can help you get a personalized estimate for your monthly costs.

Question 6

Does everyone pay $170 for Medicare?

Accepted Answer

Your actual Part B premium might be higher if your income exceeds certain limits. Other Medicare plans, such as Medicare Advantage or Part D, have their own distinct premium structures. A free quote will provide accurate cost details.

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