Medicare tel no — Tacoma, WA

Medicare is the federal health insurance program for individuals 65 and older, and for younger people with certain disabilities or End-Stage Renal Disease. It helps pay for a range of healthcare services, including hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Many also choose Medicare Advantage plans (Part C). We can explain how these parts work together.

Medicare typically does not cover long-term care services, such as nursing home care, unless it's for specific skilled nursing facility needs. It also generally excludes routine dental care, eye exams for glasses, hearing aids, and cosmetic surgery. While Medicare covers medically necessary services, it's wise to be aware of these limitations. We can discuss how these exclusions might impact your healthcare planning.

The primary requirements for Medicare are age, citizenship or legal residency, and a sufficient work history. You must generally be 65 or older (or meet specific disability criteria), be a U.S. citizen or legal resident for at least five years, and have worked and paid Medicare taxes for at least 10 years. These are the key eligibility factors. Let us help you determine if you qualify.

Your monthly Medicare costs will vary based on your chosen coverage and income. While Part A is often premium-free, Part B has a standard monthly premium that can be adjusted for higher earners. Prescription drug plans (Part D) also have varying monthly premiums. These figures can change annually. Call for a personalized estimate in Tacoma.

Higher-income beneficiaries pay more through an Income-Related Monthly Adjustment Amount (IRMAA). If you select a Medicare Advantage plan (Part C), your total monthly costs will include that plan's premium, which can vary. We can help you figure out your specific costs.

Part A of Medicare, which covers hospital stays, is often premium-free if you or your spouse paid Medicare taxes for at least 10 years. However, Part B, covering doctor visits and outpatient care, typically has a monthly premium. This premium can be higher for individuals with higher incomes. It's important to confirm your eligibility for premium-free Part A. We can clarify this for you.