Medicare cost — Baltimore, MD

Medicare Part A, covering hospital stays, is often premium-free if you or your spouse paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient services, has a monthly premium. Prescription drug plans (Part D) also come with costs. We can help you understand these potential expenses clearly.

Medicare is the federal health insurance program for individuals 65 and older, and also for younger people with certain disabilities or End-Stage Renal Disease. It provides coverage for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D), among other options. We can explain how each part works for your health needs.

Medicare generally does not cover long-term care, most dental care, routine eye exams for glasses, cosmetic surgery, hearing aids, or routine foot care. Being aware of these limitations is crucial for comprehensive planning. Supplemental plans can often help cover these services. We can discuss your supplemental options.

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 must also be 65 years or older, or younger than 65 with a qualifying disability or End-Stage Renal Disease. We can confirm your eligibility for enrollment.

Your monthly Medicare costs will depend on the parts of Medicare you choose 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. Part D plan premiums also vary. We can provide a personalized estimate.