Medicare tel number — St. Paul, MN

While Original Medicare has a monthly premium, many people qualify for assistance that can reduce or even eliminate those costs. Medicare Advantage plans often have low or no monthly premiums, but they may have copays for services. Understanding your eligibility for programs like Extra Help is key. A quick call can help clarify what your specific situation might look like.

Medicare is a federal health insurance program primarily for people aged 65 or older, as well as younger people with certain disabilities or End-Stage Renal Disease. It helps cover medical expenses for hospital stays (Part A) and doctor visits/outpatient care (Part B). Many also enroll in Part D for prescription drug coverage. We can explain how these parts work together for you in St. Paul.

Medicare generally doesn't cover long-term care, most dental and vision care, cosmetic surgery, acupuncture, hearing aids, and routine foot care. These are common areas where supplemental insurance or out-of-pocket payments are needed. Knowing these exclusions helps in planning your coverage. We can discuss how to address these gaps.

Generally, you must be a U.S. citizen or legal resident for at least five continuous years, be age 65 or older, or be under 65 with a qualifying disability or End-Stage Renal Disease. You also need to have worked and paid Medicare taxes for a certain period. We can help verify your eligibility.

The cost of Medicare varies based on the parts you choose and your income. Most people pay a monthly premium for Part B, which can be higher for those with higher incomes. Prescription drug plans (Part D) also have varying monthly premiums and copays. A free quote will give you personalized cost information.

The standard monthly premium for Medicare Part B is subject to change annually, and in recent years it has been around that figure for most people. However, individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA). Not everyone pays the exact same amount. We can help you understand your specific premium.