Number to call medicare — Minneapolis, MN

Medicare isn't entirely free. While Medicare Part A is often premium-free if you or your spouse paid Medicare taxes for a certain period, Medicare Part B and Part D usually have monthly premiums. These costs can be adjusted based on your income. We can help you understand your potential expenses.

Medicare is the federal health insurance program for people aged 65 and older, as well as for younger individuals with certain disabilities or End-Stage Renal Disease. It covers medically necessary services and supplies, including hospital stays and doctor visits. It's a crucial part of healthcare for millions.

Medicare generally does not cover long-term care, most dental care, routine vision exams for eyeglasses, cosmetic surgery, hearing aids, and acupuncture. These are common exclusions, and many people opt for supplemental plans to cover these potential out-of-pocket expenses. It’s important to be aware of these limitations.

The main requirements for Medicare eligibility are being 65 years or older and being a U.S. citizen or a lawful permanent resident for at least five years. Younger individuals can qualify if they have received Social Security disability benefits for 24 months or have End-Stage Renal Disease. Meeting these criteria is the first step.

Your monthly Medicare costs will vary depending on which parts of Medicare you enroll in and your Modified Adjusted Gross Income (MAGI). While Part A is often free, Part B and Part D have premiums that can be higher for individuals with higher incomes. We can provide a personalized cost estimate.

Your actual premium may be lower or higher based on your income level and specific enrollment. We can help clarify your exact costs during your call.