Medicare tel number — Lexington-Fayette, KY

Medicare is the federal health insurance program for individuals 65 and older, and for younger people with certain disabilities. It helps cover medical expenses such as hospital stays, doctor visits, and prescription drugs. It's a foundational program for healthcare access. We can help you understand its different parts.

Medicare generally doesn't cover long-term custodial care, most dental care, routine eye exams for glasses, hearing aids, cosmetic surgery, or acupuncture. It's important to know these limitations to plan your healthcare needs effectively. A quick call can help you explore supplemental coverage options.

To be eligible for Medicare, you typically need to be a U.S. citizen or a lawful permanent resident for at least five years. You must also be 65 or older, or under 65 with a qualifying disability. Having worked and paid Medicare taxes for at least 10 years is usually required for premium-free Part A. The pros can verify your eligibility.

Your monthly Medicare expenses can vary depending on your chosen coverage and your income. Part B has a standard premium, but higher earners pay more. Prescription drug plans (Part D) and Medicare Advantage plans also have their own premiums and potential out-of-pocket costs. Get your personalized quote by calling us.

If your modified adjusted gross income from two years ago was above a certain threshold, you'll pay an Income-Related Monthly Adjustment Amount (IRMAA) in addition to the standard premium. We can help you determine your exact costs.

Medicare Part A is often premium-free if you or your spouse paid Medicare taxes for at least 10 years. However, Medicare Part B, which covers doctor visits and outpatient services, typically comes with a monthly premium. Your income can also affect the cost. Call us for a free estimate to understand your specific premium.