Medicare tel no — Minneapolis, MN

While Medicare Part A, which covers hospital care, is often premium-free for those who have paid Medicare taxes through employment, Medicare Part B, covering doctor visits and outpatient services, usually has a monthly premium. This premium can be higher for individuals with higher incomes. So, not all parts are free.

Medicare is the federal health insurance program primarily for individuals aged 65 and older, but it also covers younger people with certain disabilities and those with End-Stage Renal Disease. It helps pay for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D), with specific coverage varying by plan.

Medicare generally excludes long-term care, routine dental care, eye exams for glasses, hearing aids, cosmetic surgery, and routine foot care. Some Medicare Advantage plans may offer supplemental benefits that can help with some of these costs, but it's crucial to review the specific plan details.

Eligibility for Medicare typically requires you to be a U.S. citizen or a legal resident for at least five continuous years. You must also be at least 65 years old, or under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these core criteria is essential for enrollment.

Your monthly Medicare costs depend on the plans you choose and your income. While Part A is often premium-free, Part B has a standard monthly premium that increases for higher earners. If you select a Medicare Advantage or Part D plan, you'll have additional premiums, copays, and deductibles to factor in.