An individual who has worked ten or more years for an employer who paid into the Medicare system incurs no cost for Medicare Part A. However, Medicare Part B has a monthly premium which is adjusted each fall and becomes effective January of the following year. The premium is deducted each month from an individual’s Social Security, Railroad Retirement, or Civil Service Retirement. If the individual receives none of these, Medicare will send a bill every three months.

If a person has not worked at all in Medicare-covered employment or not long enough to have earned enough quarters, he or she may still be able to pay premiums for Medicare. Information may be obtained by calling the Social Security Administration at 1-800-772-1213.

Medicare premiums for Part B coverage usually increase each year. For the first time in 2007, individuals and couples with annual incomes over a certain amount ($80,000 for individuals and $160,000 for couples) will pay a premium higher than the standard premium based on their income.

The standard premium for 2007 is $93.50 per month, while the premiums for those with higher incomes will range from $105.80 to $161.40 monthly, based on income.

There are instances in which state and government funding are available for assistance to cover some Medicare costs. The program is called the “Medicare Savings Program.” Program eligibility for individuals and couples is based on income and resource guidelines. Information on the program can be obtained by calling Medicare at 1-800-633-4227 or at any office handling Medicaid applications, such as your local stated Department of Human Services or Social Services office. The number is usually in the blue pages of your phone book. Information on your state can be found by going to www.medicare.gov. Scroll down the page and click on “Find Helpful Phone Numbers and Websites.” Select “State Medical Assistance Office” and identify your state.

Most providers of health care services, products and durable medical equipment contract with Original Medicare Parts A & B, but it is always good to verify coverage before receiving care or ordering services to ensure payment.