Sign in to medicare — Boston, MA

Medicare is the federal health insurance program primarily for people aged 65 or older, as well as younger people with certain disabilities. It helps cover costs for hospital stays (Part A), doctor visits (Part B), prescription drugs (Part D), and managed care plans (Part C, or Medicare Advantage). Understanding these parts is the first step to making informed decisions.

Medicare generally doesn't cover long-term care, most dental care, eye exams for glasses, cosmetic surgery, acupuncture, or hearing aids. These services often require separate coverage or out-of-pocket payment. Knowing these exclusions helps you plan for comprehensive healthcare needs in the Boston area.

Generally, to be eligible for Medicare, you must be a U.S. citizen or have been a legal resident for at least five continuous years. You typically need to be 65 or older, or be under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these criteria is fundamental for enrollment.

No, not everyone pays the same amount for Medicare. The standard monthly premium for Medicare Part B is a baseline, but it can be adjusted based on your income. Many people also enroll in Medicare Advantage or Part D plans, which have their own separate monthly premiums and costs.

While Original Medicare (Part A and Part B) has monthly premiums for most people, Part A is often premium-free if you or your spouse worked and paid Medicare taxes for at least 10 years. Part B typically has a monthly premium that can vary. It's worth getting a personalized quote to see what applies to your situation in Boston.