Medicare calling number — Indianapolis, IN

Medicare has different parts, and not all of them are free. While many people get premium-free Part A if they've worked and paid Medicare taxes, Part B, which covers doctor visits and outpatient care, typically has a monthly premium. Part D for prescription drugs also usually costs money.

Medicare is the federal health insurance program primarily for individuals 65 and older. It also covers younger people with disabilities and those with End-Stage Renal Disease. It helps pay for hospital stays, doctor services, and other medical care, making healthcare more accessible.

Medicare typically doesn't cover long-term custodial care, most dental care, routine eye exams for glasses, hearing aids, cosmetic surgery, and services like acupuncture. It's important to know these exclusions when planning your healthcare needs and supplemental coverage.

To be eligible for Medicare, you generally need to be a U.S. citizen or a legal resident for at least five years. You must be 65 or older, or younger than 65 with a qualifying disability, or have End-Stage Renal Disease. These are the primary eligibility factors.

Your monthly Medicare costs will vary. Part B has a standard premium that can change each year, and it may be higher based on your income. You might also have premiums for Part D or a Medicare Advantage plan. Your individual financial situation influences these costs.

No, the monthly premium for Medicare Part B is not uniform for everyone. Furthermore, individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA), which increases their premium.