Medicare services — Spokane, WA

Medicare isn't entirely free after 65. While some parts, like Part A, might be premium-free if you've worked and paid Medicare taxes, others like Part B and D have monthly premiums. The exact cost can vary based on your income and the specific plan you choose here in Spokane. We can help you understand these potential costs.

Medicare is the federal health insurance program primarily for people 65 or older. It helps cover costs for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). There's also Part C, known as Medicare Advantage, which offers alternative coverage. Understanding these parts is key to your health coverage.

Medicare generally doesn't cover long-term care, most dental care, routine vision exams, hearing aids, cosmetic surgery, and acupuncture. These are common areas where people need to seek supplemental insurance or pay out-of-pocket. Knowing these exclusions helps you plan your healthcare budget effectively.

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 also need to be at least 65 years old, or younger with certain disabilities or End-Stage Renal Disease. Meeting these criteria determines your access to the program.

Your monthly Medicare cost depends on which parts of Medicare you enroll in. Part B typically has a standard premium, but it can be higher for individuals with higher incomes. Prescription drug plans (Part D) also have varying monthly premiums. We can help you estimate this.

No, not everyone pays the same amount for Medicare. Your actual premium can be adjusted based on your income, and Part D plans have their own premium structures.