Number to call medicare — Worcester, MA

Medicare Part A, for hospital coverage, is typically free if you or your spouse worked and paid Medicare taxes for at least 10 years. However, Part B, which covers doctor visits and outpatient services, has a monthly premium that most people pay. Prescription drug plans (Part D) and supplemental insurance also have separate costs. A local pro can explain these costs in Worcester.

Medicare is the U.S. federal health insurance program for individuals aged 65 and older, as well as younger people with specific disabilities or End-Stage Renal Disease. It provides coverage for hospital stays, physician services, and prescription drugs. Understanding its different components is vital for Worcester residents.

Medicare generally doesn't cover services like long-term care, routine dental care, vision exams for glasses, cosmetic surgery, hearing aids, and most alternative therapies like acupuncture. It’s important to know these exclusions as you plan your coverage in Worcester. Supplemental plans can sometimes fill these gaps.

To be eligible for Medicare, you generally need to be 65 years or older, be a U.S. citizen or have been a lawful permanent resident for at least five years, and have worked and paid Medicare taxes for at least 10 years. Some individuals with disabilities also qualify. These rules apply across Massachusetts.

Your actual Part B premium could be higher if your income exceeds certain limits. This amount also doesn't include premiums for Part D or any supplemental plans you might select in Worcester.