Best medicare — Cary, NC

Most people don't pay a premium for Medicare Part A, which covers hospital stays, if they or their spouse paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient services, has a monthly premium. This cost can vary. It's wise to get a personalized quote to understand your specific monthly expenses.

Medicare is the federal health insurance program primarily for people who are 65 or older. It also covers younger people with certain disabilities and people with End-Stage Renal Disease. It helps cover costs for hospital stays (Part A) and medical services like doctor visits (Part B). There are also options for prescription drugs (Part D) and additional coverage (Part C).

Medicare generally doesn't cover things like routine dental care, eye exams for glasses, hearing aids, cosmetic surgery, or long-term custodial care. It also doesn't typically cover most prescription drugs unless you enroll in a Part D plan. Understanding these gaps is key to choosing comprehensive coverage.

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 at least 65 years old, or younger with a qualifying disability or End-Stage Renal Disease. Meeting these core criteria is the first step in accessing benefits.

No, not everyone pays the same amount for Medicare. Your specific premium will be determined by your tax returns from a couple of years prior.