Is Medicare Free After 65?

Medicare is a federal health insurance program primarily for people age 65 and older. It is divided into different parts, each covering specific services:

• Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. 

• Medicare Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and durable medical equipment. 

• Medicare Part C (Medicare Advantage): An alternative to Original Medicare offered by private insurers, often including Part A, Part B, and additional benefits. 

• Medicare Part D (Prescription Drug Coverage): Covers prescription medications through private insurance companies approved by Medicare. 

In most cases, yes—Medicare Part A is free if you or your spouse paid Medicare taxes for at least 10 years (40 quarters). This is known as “premium-free Part A.” 

However, if you didn’t meet the 10-year work requirement, you may still qualify for Part A but will need to pay a monthly premium. As of 2025, the premium can be as high as $505 per month, depending on how many work credits you have. 

Medicare Part B is not free. Most people will pay a monthly premium for Part B coverage. In 2025, the standard Part B premium is $174.70 per month, though it can be higher depending on your income.

You’ll also be responsible for: 

• An annual deductible (currently $240 in 2025) 

• 20% coinsurance for most services after the deductible is met 

This is where many people in Conroe and across Montgomery County get surprised—thinking Medicare covers everything, when in reality, there can be significant out-of-pocket costs. 

If you’re concerned about the cost of Medicare, you’re not alone. The good news is, there are local options to help reduce your expenses and maximize your benefits. At AXS Health, we help residents in Conroe explore cost-saving opportunities, such as:

• Medicare Advantage Plans (Part C): These plans often include $0 premiums and offer additional benefits like vision, dental, and gym memberships. Some plans even include prescription drug coverage. 

• Medicare Supplement Plans (Medigap): These help cover out-of-pocket costs like copayments, coinsurance, and deductibles that Original Medicare doesn’t cover. 

• Extra Help Programs: For those with limited income and resources, you may qualify for help with prescription drug costs. 

• Medicaid & Medicare Savings Programs: If you’re eligible for both Medicare and Medicaid in Texas, you may receive full or partial financial assistance. 

Working with a licensed Medicare advisor in Conroe ensures you don’t miss out on these valuable benefits. 

Even though Medicare becomes available when you turn 65, it’s not automatic for everyone. If you’re already receiving Social Security benefits, you’ll be enrolled in Parts A and B automatically. If not, you’ll need to sign up during your Initial Enrollment Period (3 months before and after your 65th birthday month). 

Missing this window can result in late enrollment penalties, which increase your monthly premiums permanently—another reason it pays to talk to a local Medicare expert. 

Choosing the right Medicare plan isn’t one-size-fits-all. Everyone’s health needs and budget are different. When you work with a local, independent advisor at AXS Health, you’ll get:

• Personalized guidance based on your situation 

• Unbiased plan comparisons from top carriers in Texas 

• Ongoing support during enrollment and after you’ve chosen your plan 

• Help with appeals, billing issues, and renewals 

We take the time to explain your options in plain English—so you feel confident and in control of your healthcare. You can even visit us in person at our office in Magnolia to have a personal consultation. We are here for you to make Medicare easy!  

So, is Medicare free after 65? Part A might be, but most people still have to pay premiums and other costs for full coverage. The key is knowing your options—and we’re here to help. 

If you’re turning 65 soon or already have Medicare and want to make sure you’re not overpaying or missing out on coverage, we’re ready to guide you. 

Call AXS Health today at 866.454.4458 or visit our local office for a free Medicare consultation.
Your peace of mind is just a conversation away. 

Serving Conroe, TX and the surrounding Montgomery County area with trusted Medicare assistance and health insurance guidance. 

Let us help you make Medicare simple, affordable, and right for you.