Medicare services — Colorado Springs, CO

Medicare Part A, which covers hospital stays, is often premium-free for those who have worked and paid Medicare taxes for at least 10 years. However, Medicare Part B, which covers doctor visits and outpatient services, typically involves a monthly premium. Many people also choose Part D for prescription drug coverage, which also has a monthly cost. Your specific costs will depend on your enrollment choices and income.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as younger people with specific disabilities or End-Stage Renal Disease. It consists of Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). These parts collectively help cover a wide range of medical expenses.

Medicare generally excludes coverage for routine dental care, eye exams for glasses, hearing aids, long-term custodial care, cosmetic surgery, and most alternative or experimental treatments. While Medicare covers medically necessary services, it's wise to be aware of these common exclusions to plan for additional insurance or out-of-pocket expenses.

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

Your actual Part B premium could be higher if your income is above a certain level, as determined by your tax return from two years prior. Some individuals may also be eligible for premium assistance.