Medicare secondary payer — Tacoma, WA

Part A of Medicare, covering hospital services, is often free if you or your spouse has worked and paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient care, typically has a monthly premium. You'll also have premiums for prescription drug plans or Medicare Advantage plans.

Medicare is the federal health insurance program for individuals 65 and older, as well as younger people with certain disabilities or End-Stage Renal Disease. It provides coverage for hospital stays (Part A), medical services and supplies (Part B), prescription drugs (Part D), and also includes managed care options through Medicare Advantage (Part C).

Medicare generally does not cover long-term care, most dental care, most vision exams and eyeglasses, cosmetic surgery, acupuncture, and hearing aids. These are common areas where individuals may need to purchase separate insurance policies or pay out-of-pocket.

The primary requirements for Medicare are being 65 or older and a U.S. citizen or a legal resident who has lived in the U.S. for at least five years. Younger individuals can qualify if they have a disability or End-Stage Renal Disease. Proof of age and residency is typically needed.

The monthly cost for Medicare varies. While Part A is often premium-free, Part B has a standard monthly premium that can be adjusted based on your income. Premiums for Part D prescription drug plans and Medicare Advantage plans also differ significantly, depending on the specific plan you choose.

Individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA), which increases their Part B premium. Part D and Medicare Advantage plans have their own varying premiums.