Number to call medicare — Spokane, WA

Part A, which covers hospital stays, is typically free for most people once they turn 65, assuming they've paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient services, has a monthly premium. This premium can vary based on your income. It's not entirely free for everyone.

Medicare is the federal health insurance program primarily for people aged 65 or older. It helps cover costs for hospital stays (Part A) and medical services like doctor appointments (Part B). It can also cover prescription drugs (Part D) and offers various managed care plans (Part C, or Medicare Advantage). It's designed to provide essential health coverage.

Medicare generally doesn't cover routine dental care, including cleanings and fillings. It also typically excludes routine vision care, like eye exams and glasses. Long-term care, such as nursing home care, is usually not covered beyond a limited period. Cosmetic surgery, hearing aids, and most prescription drugs (unless you have Part D) are also common exclusions. These are important to consider for your overall health needs.

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

The monthly cost for Medicare varies. Part A is often premium-free for most individuals. Part B has a standard monthly premium, which can be higher if your income exceeds certain limits. Part D prescription drug plans also have their own monthly premiums and potential surcharges based on income. The total cost depends on the parts and plans you select.

No, not everyone pays the same amount for Medicare. Additionally, Part A might have a premium if you haven't paid enough Medicare taxes. Part D plans have their own, separate premiums.