Sign in to medicare — Madison, WI

Medicare is a federal health insurance program primarily for people aged 65 or older, and for younger individuals with certain disabilities. It helps cover costs for hospital stays (Part A), doctor visits and outpatient care (Part B), and prescription drugs (Part D). Medicare also offers Medicare Advantage (Part C) plans, which are an alternative way to receive your Medicare benefits through private insurance companies. Understanding these components is key to managing your healthcare.

Medicare generally does not cover routine dental care, eye exams for eyeglasses, hearing aids, cosmetic surgery, most foot care, and long-term custodial care. While Medicare covers medically necessary services, these specific services often require separate insurance or out-of-pocket payment. For example, routine check-ups for your teeth or getting fitted for new glasses are typically not covered by Original Medicare. It's wise to be aware of these limitations.

To be eligible for Medicare, you generally need to meet three primary requirements. First, you must be a U.S. citizen or have been a legal resident for at least five continuous years. Second, you must be at least 65 years old, or younger if you have a qualifying disability. Third, you or your spouse must have worked and paid Medicare taxes for at least 10 years. These criteria ensure you qualify for the program's benefits.

No, not everyone pays the same amount for Medicare. This is known as the Income-Related Monthly Adjustment Amount (IRMAA). Also, many people qualify for premium-free Medicare Part A. Prescription drug plan (Part D) costs also vary significantly by plan. A personalized quote will clarify your specific costs.

Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage, also known as Part C, is an alternative offered by private insurance companies. These plans bundle Part A, Part B, and often Part D coverage, and may include extra benefits like dental or vision. However, you typically need to use providers within the plan's network. Original Medicare allows more flexibility in provider choice.