Medicare call number — Garden Grove, CA

Medicare is the federal health insurance program for individuals 65 and older, as well as younger people with certain disabilities and those with End-Stage Renal Disease. Its purpose is to help cover significant healthcare costs. It's divided into different parts: Part A for hospital insurance, Part B for medical insurance, Part C (Medicare Advantage plans), and Part D for prescription drug coverage. Understanding these parts is crucial for choosing the right plan. Let us help you understand it.

Medicare generally doesn't cover routine dental care, routine vision exams and eyeglasses, hearing aids, most long-term custodial care, cosmetic surgery, and services like massage therapy unless medically necessary. These exclusions mean individuals often need supplemental insurance or must pay out-of-pocket for these services. It's important to be aware of these limitations when planning your healthcare expenses. We can discuss options to fill these gaps.

To qualify for Medicare, you generally need to meet three criteria. First, you must be 65 years or older, or be under 65 with a qualifying disability or End-Stage Renal Disease. Second, you must be a U.S. citizen or have been a legal resident for at least five years. Third, you or your spouse must have worked and paid Medicare taxes for at least 10 years (40 quarters). We can help you confirm your eligibility for coverage.

This amount often refers to the standard monthly premium for Medicare Part B, but it's not a fixed rate for all beneficiaries. Your actual Part B premium may be higher if your income exceeds certain limits, based on your tax returns from two years prior. Additionally, this amount doesn't include premiums for Part D or supplemental plans. Call us to get your specific costs.

Medicare typically excludes services such as routine dental care, routine vision exams and eyeglasses, hearing aids, long-term custodial care, cosmetic surgery, and most elective procedures. These are common areas where individuals may need to seek out separate insurance coverage or pay directly. Understanding these limitations is key to managing your healthcare expenses effectively. We can help you explore supplementary options.