Medicare secondary payer — Chesapeake, VA

Medicare is the federal health insurance program primarily for people aged 65 and older, but it also covers younger individuals with certain disabilities or End-Stage Renal Disease. It includes Part A (hospital insurance), Part B (medical insurance), and Part D (prescription drug coverage), with options for Medicare Advantage plans. We can help you understand how these parts work for your healthcare needs.

Original Medicare (Parts A and B) generally does not cover most dental care, routine eye exams for glasses, hearing aids, or cosmetic surgery. It also typically excludes long-term custodial care and most prescription drugs. Understanding these exclusions is important for comprehensive healthcare planning.

To be eligible for Medicare, you generally need to be a U.S. citizen or a lawful permanent resident who has resided in the U.S. for at least five consecutive years. You must also be at least 65 years old, or younger if you have a qualifying disability or End-Stage Renal Disease. Meeting these criteria is essential for enrollment.

Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA), increasing their premium. Your premium is based on your Modified Adjusted Gross Income from two years prior. We can help you understand your potential costs.

Medicare Part A, which covers hospital stays, is often premium-free if you or your spouse have worked and paid Medicare taxes for at least 10 years. However, Medicare Part B, covering doctor visits and outpatient services, typically has a monthly premium. We can help you understand your eligibility for premium-free Part A and estimate Part B costs in Chesapeake.