Medicare contact info — Long Beach, CA

Medicare Part A, which covers inpatient hospital stays, is generally free if you or your spouse paid Medicare taxes for at least 10 years. However, Part B, covering outpatient care and doctor visits, has a monthly premium that most people pay. So, while parts can be free, the full program isn't without cost for everyone.

Medicare is the federal health insurance program for people 65 years and older, as well as younger individuals with certain disabilities or End-Stage Renal Disease. It helps cover costs for hospital stays, physician services, prescription drugs, and more. The program is divided into different parts (A, B, C, and D) to cover various healthcare needs.

Original Medicare typically doesn't cover services like routine dental care, eye exams for glasses, hearing aids, cosmetic surgery, acupuncture, and long-term custodial care. These are common areas where people look for supplemental insurance or additional plans to fill the coverage gaps. It's important to understand these limitations.

To be eligible for Medicare, you generally need to be a U.S. citizen or legal resident who has lived in the U.S. for at least five consecutive years. The most common requirement is being age 65 or older. Alternatively, you may qualify if you have a qualifying disability or End-Stage Renal Disease, regardless of age.

Your monthly Medicare cost depends on several factors. The Part B premium is a standard amount for most, but it can increase with higher incomes. Part D premiums for prescription drugs vary significantly based on the plan you choose and your prescription needs. We can help you get a precise quote for your situation.

Higher-income individuals pay more through an income-related monthly adjustment amount. Some beneficiaries may also pay different amounts for Part D plans. Your actual cost will be personalized.