Medicare contact number — Gilbert, AZ

While Original Medicare (Parts A and B) has some premium costs, especially for Part B, it's not entirely free for everyone. Part A is often premium-free if you or your spouse paid Medicare taxes for a certain period. Understanding these nuances is key to budgeting for your healthcare in Gilbert.

Medicare is the U.S. federal health insurance program primarily for people aged 65 and older, certain younger people with disabilities, and people with End-Stage Renal Disease. It helps cover doctor visits, hospital stays, and prescription drugs, but what it covers exactly depends on the specific parts and plans you choose.

Medicare generally doesn't cover things like long-term care, most dental care, eye exams for glasses, dentures, cosmetic surgery, or routine hearing tests and aids. These are common areas where people find they need supplemental coverage beyond Original Medicare.

Generally, you need to be a U.S. citizen or legal resident for at least five years, be 65 or older (or under 65 with a disability, or have ESRD), and have paid Medicare taxes for a certain amount of time. Meeting these basics qualifies you to enroll.

Your monthly Medicare cost depends heavily on the plan you select and your income. While there's a standard premium for Part B, many people pay more based on their income. Prescription drug plans also have their own monthly premiums and potential costs.

No, not everyone pays the same for Medicare. The standard monthly premium for Medicare Part B is set annually, but it can be higher for individuals with higher incomes. Many also enroll in Part D or Medicare Advantage plans, which have their own separate costs.