Medicare call number — Minneapolis, MN

Medicare is the federal health insurance program primarily for individuals aged 65 and older, and also for younger people with certain disabilities or End-Stage Renal Disease. It assists with costs for hospital care, medical services, and prescription drugs through its different parts.

Medicare generally does not cover services such as most dental care, routine eye exams for glasses, hearing aids, cosmetic surgery, chiropractic care (beyond manual manipulation), and long-term custodial care. Being aware of these exclusions is important for your planning in Minneapolis.

To be eligible for Medicare, you typically must be a U.S. citizen or legal resident who has lived in the U.S. for at least five years. You also need to be at least 65 years old, or younger if you have a qualifying disability or End-Stage Renal Disease. These are the basic qualifications.

Your monthly Medicare costs depend on the plan you choose and your income. While Part A is often premium-free, Part B has a standard monthly premium that can be higher for individuals with higher incomes. Prescription drug plans and Medicare Advantage plans have their own separate costs.

However, individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA), which increases their Part B premium. Therefore, not everyone pays the same amount.

Part A of Medicare, covering hospital stays, is typically premium-free if you or your spouse worked and paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient services, usually has a monthly premium. Your income can influence this cost.