Medicare contact number — Plano, TX

Original Medicare, which includes Part A and Part B, typically isn't free. While Part A is often premium-free if you or your spouse paid Medicare taxes for a certain amount of time, Part B usually has a monthly premium. The exact cost can vary based on your income. We can help you understand these costs better.

Medicare is the federal health insurance program for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. It primarily helps cover hospital stays (Part A) and medical services like doctor visits and outpatient care (Part B). There are also options for prescription drug coverage and additional benefits through Medicare Advantage plans. We can help you navigate these choices.

Medicare doesn't typically cover long-term care (custodial care), most dental care, eye exams for glasses, cosmetic surgery, acupuncture, or hearing aids. It's important to know these limitations to plan accordingly. Understanding what's excluded helps you make informed decisions about supplemental insurance. We can discuss these gaps.

Generally, you need to be 65 or older, a U.S. citizen or have been a legal resident for at least five years, and have paid Medicare taxes for at least 10 years (or be married to someone who has). For those under 65, a disability status for at least 24 months is usually required. We can help you confirm your eligibility.

No, not everyone pays the same amount for Medicare. Higher-income individuals pay more through an Income-Related Monthly Adjustment Amount (IRMAA). Your actual premium could be different. We can help clarify your specific costs.