Medicare cost — Portland, OR

Medicare Part A, covering hospital care, is often premium-free if you or your spouse paid Medicare taxes for at least 10 years. However, Part B, which covers medical services, has a monthly premium that can vary. Prescription drug coverage (Part D) also involves costs. We can help you understand these expenses clearly.

Medicare is the federal health insurance program for individuals 65 and older, and also for younger people with specific disabilities or End-Stage Renal Disease. It covers hospital stays (Part A), doctor visits and outpatient care (Part B), and prescription drugs (Part D), among other specialized coverage options. We can explain how each part works for you.

Medicare generally excludes coverage for long-term care, most dental work, routine eye exams for glasses, cosmetic surgery, hearing aids, and routine foot care. Being aware of these limitations is crucial for comprehensive planning. Supplemental plans can often address these uncovered services. We can explore those options with you.

To qualify for Medicare, you typically need to be a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years. You must also be age 65 or older, or have a qualifying disability or End-Stage Renal Disease. We can help you confirm your eligibility.

Your monthly Medicare expenses depend on the parts of Medicare you enroll in and your income level. While Part A is often premium-free, Part B has a standard monthly premium that can be higher for those with higher incomes. Part D plan premiums also vary. We can provide a personalized quote.