Medicare FAQs

How much does Medicare cost?
Medicare Part A (Hospitalization) is provided at no monthly premium, as long as you or your spouse have worked and paid taxes in the U.S. for at least 10 years. The 2025 deductible for Part A is $1,632.

Medicare Part B (Medical) costs $185/month in 2025 for the average American. The Part B deductible is $257. Some people may pay more or less, depending on their income.

Is help available for my Part B monthly premium?
For those who economically qualify, help is available through the state Medicaid program (AHCCCS in Arizona). You can apply online at azahcccs.gov or by calling your local DES office.

Do I need Part A and B?
In order to have comprehensive medical coverage, Medicare Part A and B are recommended for most people.

What if I don’t enroll at age 65?
Late enrollment penalties may apply for people that do not have existing credible coverage (e.g. employer group plans).

How do I sign up for Medicare Part A and B?
If you are already receiving Social Security benefits, you are automatically enrolled in Medicare A and B at age 65. However, if you are not receiving Social Security benefits and are turning 65, you can apply online at socialsecurity.gov/medicareonly or by visiting your local Social Security office.

Does Medicare provide prescription coverage?
Medicare oversees prescription drug plans (Part D), which are administered through private insurance companies. The Part D deductible is $590.

Is help available for my prescription costs?
For those who economically qualify, Extra Help is available through the federal government. You can apply online at ssa.gov/benefits/medicare/prescriptionhelp/ or by calling 1-800-MEDICARE.

What is the difference between Medicare Supplements and Medicare Advantage plans?
Medicare supplements allow you to see any doctor in the US, as long as they take Medicare. Typically there is very little to no out-of-pocket medical costs when you receive Medicare approved medical services. There is a premium, however, and cost is based on several factors including age and health. Medicare Advantage plans are usually low to $0 premium, however, doctor restrictions and co-pays/co-insurance apply.