Sign in to medicare — St. Paul, MN

While Original Medicare (Part A and B) has some premium costs, especially for Part B, Part A is often premium-free if you or your spouse worked and paid Medicare taxes for at least 10 years. However, there are still deductibles and coinsurance. This is why a personalized estimate is so valuable.

Medicare is the federal health insurance program primarily for people 65 or older, though younger people with certain disabilities can also qualify. It helps cover costs for hospital stays (Part A), doctor visits and outpatient care (Part B), and prescription drugs (Part D). It's designed to provide a safety net for healthcare needs.

Medicare typically doesn't cover routine dental care, eye exams for glasses, hearing aids, cosmetic surgery, acupuncture, and long-term custodial care. These are common areas where people need additional coverage, often through Medicare Advantage plans or supplemental insurance. Knowing these limitations is key to planning.

Generally, the three main requirements are being 65 or older, being a U.S. citizen or legal resident for at least five years, and having worked and paid Medicare taxes for at least 10 years. There are also different pathways for those with specific disabilities or End-Stage Renal Disease. We can help clarify these for you.

The monthly cost of Medicare varies. For Part B, the standard premium is set annually, but some individuals pay more based on their income. Part D premiums also vary by plan and location within St. Paul. Your specific income and chosen plan will determine your exact costs.