Medicare contact info — Charlotte, NC

Medicare isn't entirely free, though some parts may have no monthly premium. Part A, which covers hospital stays, is usually premium-free for individuals who have worked and paid Medicare taxes. However, Part B, for medical services, typically involves a monthly premium. Planning for these costs is important for Charlotte residents.

Medicare is the federal health insurance program for individuals aged 65 and older, as well as younger people with disabilities and those with End-Stage Renal Disease. It helps cover costs for hospital care, doctor services, and other medical needs. It's a vital program for healthcare security in Charlotte and across the country.

Medicare generally excludes coverage for long-term custodial care, most dental care, eye exams for glasses, cosmetic surgery, hearing aids, and routine foot care. Being aware of these exclusions is crucial for Charlotte seniors to plan for services not included in Original Medicare.

The primary requirements for Medicare eligibility are being 65 years or older and a U.S. citizen or legal resident for at least five years. You may also qualify if you are under 65 and have received Social Security disability benefits for 24 months, or if you have End-Stage Renal Disease.

Your monthly Medicare expenses depend on which coverage options you select and your income level. While many qualify for premium-free Part A, Part B has a standard monthly premium. Additional costs will apply for Part D prescription drug plans and Medicare Advantage plans. We can help you estimate these for your situation in Charlotte.

Individuals with higher incomes pay an additional amount, known as an Income-Related Monthly Adjustment Amount (IRMAA). Your specific premium will depend on your income and the current year's rates.