Medicare services — Raleigh, NC

Medicare is the federal health insurance program for individuals aged 65 and older, and for younger people with certain disabilities or End-Stage Renal Disease. It is divided into Parts A (hospital insurance), B (medical insurance), C (Medicare Advantage plans), and D (prescription drug coverage). These parts help cover a wide range of healthcare services and medications.

Medicare generally does not cover routine dental care, eye exams for glasses, hearing aids, long-term custodial care, cosmetic surgery, or most alternative health treatments. It's important to understand these common exclusions, as you may need to arrange for separate coverage or pay out-of-pocket for these services in Raleigh.

To be eligible for Medicare, you generally must be a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years. You also typically need to be at least 65 years old, or be under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these basic criteria is essential for enrollment.

Your actual Part B premium could be higher if your income is above a certain level, based on your tax return from two years prior. Some individuals may also qualify for premium assistance programs.

Medicare Part A, which covers hospital stays, is often premium-free for those who have worked and paid Medicare taxes for at least 10 years. However, Medicare Part B, covering doctor visits and outpatient services, typically has a monthly premium. Many people also choose Part D for prescription drug coverage, which also has a monthly cost. Your specific costs will depend on your enrollment choices and income.