Number to call medicare — Denver, CO

Generally, Medicare isn't entirely free. While Original Medicare (Parts A and B) has premium-free Part A for most people who've paid Medicare taxes, Part B has a monthly premium. The exact cost can vary based on your income. Many people also opt for Part D for prescription drug coverage or Medicare Advantage plans, which have their own costs and benefits. It’s wise to get a personalized quote.

Medicare is the federal health insurance program primarily for people 65 or older. It also covers younger people with certain disabilities and people with End-Stage Renal Disease. It helps cover costs for hospital stays (Part A), medical services and outpatient care (Part B), prescription drugs (Part D), and managed care plans (Part C, or Medicare Advantage). The goal is to provide essential health coverage.

Medicare doesn't cover everything. Common exclusions include long-term care (custodial care), most dental care, eye exams for glasses, cosmetic surgery, acupuncture, and hearing aids. While Medicare covers medically necessary services, it's important to know its limitations. Understanding these gaps helps you plan for potential out-of-pocket expenses or supplemental insurance needs.

To be eligible for Medicare, you generally need to be a U.S. citizen or have been a legal resident for at least five continuous years. You must also be at least 65 years old, or be under 65 with a qualifying disability or End-Stage Renal Disease. Meeting these core criteria is the first step to enrolling in the program. Proving your eligibility is key.

Some people may also pay less if they are enrolled in certain Medicare Advantage plans that include Part B benefits. Your individual circumstances determine your exact premium.