Medicare tel no — Spokane, WA

Generally, Original Medicare has monthly premiums, though some individuals may qualify for premium assistance. Part B, which covers doctor visits and outpatient care, typically has a standard monthly cost. The exact amount can change each year and can be affected by your income. It's not entirely free, but understanding the costs is the first step.

Medicare is a federal health insurance program primarily for people aged 65 or older, as well as younger people with certain disabilities or End-Stage Renal Disease. It helps cover medical expenses like hospital stays, doctor visits, and prescription drugs. It's designed to provide a safety net for healthcare needs as you age.

Medicare typically doesn't cover long-term care (custodial care), most dental care, eye exams for glasses, cosmetic surgery, acupuncture, or hearing aids. These are common exclusions, and understanding them helps in planning for additional coverage needs. Always check specific plan details for what's included.

To be eligible for Medicare, you generally need to be a U.S. citizen or have been a legal resident for at least five years. You must also be at least 65 years old, or younger with a qualifying disability or End-Stage Renal Disease. Meeting these age or disability criteria is fundamental.

Your monthly Medicare cost depends on the parts you enroll in and your income. Part A is often premium-free if you or your spouse paid Medicare taxes while working. Part B has a standard monthly premium, which can be higher for those with higher incomes. Prescription drug plans (Part D) and Medicare Advantage plans have their own premiums.

No, not everyone pays the same amount for Medicare. Also, Part A has premiums for some, and Part D plans have varying costs. Your personal situation dictates your exact premium.