Medicare calling number — Des Moines, IA

Medicare is the federal health insurance program for people 65 or older, certain younger individuals with disabilities, and those with End-Stage Renal Disease. It helps cover costs associated with hospital stays, doctor visits, preventive care, and prescription drugs through its various parts. Understanding these components is vital for Des Moines residents.

Medicare generally excludes coverage for long-term care, most dental care, routine vision exams for glasses, cosmetic surgery, acupuncture, and hearing aids and routine hearing tests. These are common areas where people in Des Moines often seek supplemental insurance to bridge the gaps in coverage.

To be eligible for Medicare, you generally need to be 65 or older and a U.S. citizen or a legal resident who has lived in the U.S. for at least five years. Alternatively, you can qualify if you are under 65 and have received Social Security disability benefits for 24 months or have End-Stage Renal Disease (ESRD). We can help confirm eligibility for Des Moines residents.

No, the monthly premium for Medicare Part B is not a fixed amount for all beneficiaries. The standard premium is set annually, but individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA), resulting in a higher premium. Part A is often premium-free, and Part D costs vary by plan. We can help clarify your specific costs in Des Moines.

Medicare isn't completely free, though Part A often has no monthly premium if you or your spouse paid Medicare taxes for at least 10 years. Part B, which covers doctor visits and outpatient services, typically has a monthly premium that can be higher for individuals with higher incomes. Prescription drug plans (Part D) also have their own premiums. We can help Des Moines residents understand their potential costs.