Medicare tel no — Virginia Beach, VA

Original Medicare (Parts A and B) isn't entirely free. While most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working, Part B usually has a monthly premium. The exact cost can vary based on your income. This is something a local pro can help clarify for your specific situation.

Medicare is the federal health insurance program primarily for people 65 or older. It also covers younger people with certain disabilities and people with End-Stage Renal Disease. It helps pay for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D), though coverage details can differ significantly between plans.

Medicare generally doesn't cover long-term care, dental care, vision exams, hearing aids, cosmetic surgery, or routine foot care. There are exceptions and specific circumstances where some of these might be covered under certain Medicare Advantage plans, but it's important to check the details.

Generally, you need to be a U.S. citizen or have been a legal resident for at least five continuous years. You must also be at least 65 years old, or be under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these criteria is the first step to enrollment.

The monthly cost of Medicare varies. Part A is often premium-free for those who qualify, but Part B has a standard monthly premium that can increase based on your income. If you choose a Medicare Advantage plan or a Part D plan, those will have their own separate premiums, copays, and deductibles.

No, not everyone pays the same amount for Medicare. Part A is usually premium-free. The costs for Medicare Advantage and Part D plans also vary widely.