Number to call medicare — Richmond, VA

Part A, which covers hospital stays, is usually premium-free for individuals who have paid Medicare taxes for at least 10 years. However, Part B, covering doctor visits and outpatient services, has a monthly premium. This premium is determined by your income. So, while some parts might be free, not all of Medicare is.

Medicare is the federal health insurance program for individuals 65 and older, as well as younger people with certain disabilities. It provides coverage for hospital services (Part A), medical services like doctor visits (Part B), and prescription drugs (Part D). Medicare Advantage plans (Part C) offer an alternative way to receive these benefits, often with additional coverage options.

Medicare generally does not cover routine dental care, including cleanings and fillings. It also typically excludes routine vision exams and eyeglasses. Long-term care, such as custodial care in a nursing home, is usually not covered beyond a specific limit. Other common exclusions include hearing aids, cosmetic surgery, and most prescription drugs unless you enroll in a Part D plan. These are important considerations for comprehensive health coverage.

The primary requirement is age; you generally need to be 65 or older. You can also qualify if you have a qualifying disability and have received Social Security disability benefits for at least 24 months. Additionally, you must be a U.S. citizen or have been a legal resident for at least five continuous years. These are the main criteria for eligibility.

Your monthly Medicare costs depend on the parts and plans you choose. Part A is often premium-free if you've worked and paid Medicare taxes for 10 years. Part B has a standard monthly premium, which can be adjusted upwards based on your income. Prescription drug plans (Part D) also come with their own monthly premiums, which can vary significantly between plans. It's important to review your specific situation.

This premium can be higher for individuals with higher incomes. Part A may also have a premium if you haven't met the work history requirement. Part D plans have their own distinct premiums and potential surcharges. Your specific cost will vary.