Sign in to medicare — Memphis, TN

Medicare is the federal health insurance program primarily for people aged 65 and older. It also covers younger individuals with certain disabilities or End-Stage Renal Disease. Medicare provides coverage for hospital services (Part A), medical services (Part B), and prescription drugs (Part D), with additional options like Medicare Advantage plans (Part C).

Medicare generally does not cover long-term care, most dental care, eye exams for glasses, hearing aids, cosmetic surgery, or routine foot care. Many Memphis residents opt for supplemental insurance to help cover these out-of-pocket expenses.

To be eligible, you generally need to be 65 or older and a U.S. citizen or legal resident for at least five years. You can also qualify if you have a disability and have received Social Security disability benefits for 24 months. Having End-Stage Renal Disease (ESRD) is another way to qualify.

Your monthly Medicare costs depend on which parts of Medicare you enroll in. While Part A is often premium-free, Part B has a standard monthly premium that can be adjusted based on your income. Premiums for Part C and Part D plans in Memphis vary widely by provider and the benefits offered.

Your specific premium may be higher if your income exceeds a certain threshold. It's important to check the current year's rates and understand how your individual income might affect your costs.

Medicare Part A, covering hospital stays, is typically free for individuals who have paid Medicare taxes for at least 10 years. However, Medicare Part B, which covers doctor visits and outpatient care, usually involves a monthly premium. Costs for Part C and Part D plans in Memphis can vary based on your chosen coverage.