Original Medicare
Part A
Hospital Coverage
Part A is premium-free for most because they paid Medicare taxes while working. As long as you have worked for at least 10 years in your lifetime in the United States. If you have not, you can still purchase Part A if you’ve been a legal resident or have had a green card for at least five years.
- Inpatient Hospital Care
- Skilled Nursing Facility Care
- Home Health Care
- Hospice Care

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Part B
Medical Coverage
Medicare Part B requires a monthly premium. The premium is decided by the government and determined by your income level Most people fall in the standard premium bracket. In 2024, the standard Medicare Part B premium is $174.70. However, if your modified adjusted gross income is higher than a certain amount, you will pay an Income Related Monthly Adjustment Amount, known as ‘IRMAA’. The Part B premium will be automatically deducted from your payments if you receive benefits from Social Security, Railroad Retirement Board, or Office of Personnel Management. If you do not receive any of these types of benefit payments, then you will receive a quarterly bill.Â
- Provider Services
- Medical Equipment
- Home Health Services
- Ambulance Services
- Preventative Services
- X-Rays and Lab Tests
- Chiropractic Care

Parts A & B Enrollment
Most people sign up for both Part A and Part B at the same time when they are first eligible as soon as they turn 65. However, in some situations it might make sense to wait and sign up for Medicare Part B later. There are risks to delaying your enrollment and signing up later such as a gap in coverage or having to pay a late enrollment penalty. If you are already receiving Social Security benefits, you will automatically be enrolled in Medicare Part B. Your card will arrive in the mail about 3 months before your birth month. If you do not receive Social Security benefits, you will have to enroll yourself. You can do so online, on the phone or in-person at your local Social Security Office.
Here For You When You're Ready.
See our office locations and how you can get in touch with us today!
Phone: 866-834-2886
Email : info@thefinancialguys.com
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
305 Spindrift Drive.,
Williamsville, NY 14221
3445 Winton Place,
Suite 120
Rochester, NY 14623
319 West Main Street, Batavia, NY 14020
Phone : 833-628-0055
Email : info@thefinancialguys.com
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
305 Spindrift Drive.,
Williamsville, NY 14221
345 Winton Place,
Suite 120
Rochester, NY 14623