Medicare savings program — Madison, WI

Medicare is the federal health insurance program primarily for individuals aged 65 and older, and for younger people with specific disabilities or End-Stage Renal Disease. It helps cover hospital stays (Part A) and medical services like doctor visits and outpatient care (Part B). Many Madison residents also opt for Part C (Medicare Advantage) or Part D (prescription drug coverage) for more comprehensive benefits. Its purpose is to provide essential healthcare coverage.

Medicare generally does not cover long-term custodial care, most dental services, routine eye exams for glasses, cosmetic surgery, hearing aids, or alternative therapies like acupuncture. Some Medicare Advantage plans might offer limited benefits in these areas. If you live in Madison and require coverage for these services, you will likely need separate insurance or pay out-of-pocket. We can help clarify what is and isn't covered.

The primary requirements for Medicare eligibility are U.S. citizenship or legal residency for at least five years, reaching age 65, or having a qualifying disability and receiving Social Security disability benefits for 24 months. To qualify for premium-free Part A, you generally need to have worked and paid Medicare taxes for at least 10 years. There are options for those who haven't met the work history requirement.

The most common mistake Madison residents make is assuming Medicare is a single plan and not researching the different parts and supplemental options. They might also delay enrollment, incurring late penalties, or not understanding how their current coverage integrates with Medicare. Many people don't realize there are programs to help lower their costs. We encourage an early call to get personalized advice.