Sign in to medicare — Miami, FL

Medicare is the federal health insurance program primarily for people 65 and older, and also for younger individuals with certain disabilities or End-Stage Renal Disease. It helps cover hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Medicare Advantage plans (Part C) are an alternative.

Medicare generally does not cover long-term custodial care, most dental care, routine eye exams for eyeglasses, cosmetic surgery, hearing aids, or certain alternative therapies like acupuncture. These are common services that may require separate insurance or out-of-pocket payment.

To be eligible for Medicare, you generally need to be a U.S. citizen or a lawful permanent resident who has lived in the U.S. for at least five continuous years. You must also be 65 or older, or under 65 with a qualifying disability, or have End-Stage Renal Disease (ESRD). These are the primary eligibility criteria.

Your monthly Medicare costs depend on the parts you enroll in. Part A is often premium-free. Part B has a standard monthly premium, which is adjusted based on your income. Prescription drug plans (Part D) and Medicare Advantage plans (Part C) have their own separate monthly premiums and potential out-of-pocket costs.

This amount can change annually. Your actual Part B premium might be higher if your income exceeds certain limits, and costs for Part D and Medicare Advantage plans also vary.

Medicare Part A is often free of monthly premiums if you or your spouse have paid Medicare taxes for at least 10 years. However, Medicare Part B, which covers doctor visits and outpatient services, typically has a monthly premium. This premium can be higher for individuals with higher incomes.