Getting started with Medicare

Whether you’re new to Medicare, getting ready to turn 65, or preparing to retire, you’ll need to make several important decisions about your health coverage. If you wait to enroll, you may have to pay a penalty, and you may have a gap in coverage. Use these steps to gather information so you can make informed decisions about your Medicare: We hope you find the answers to your questions below. If you can’t seem to find the answer, feel free to contact us today. We are here to help!

Choose your coverage

The different parts of Medicare help cover specific services.

Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. 

Medicare Part B (Medical Insurance) covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Find out when you can get Medicare

There are only certain times when people can enroll in Medicare. Depending on the situation, some people may get Medicare automatically, and others need to apply for Medicare. The first time you can enroll is called your Initial Enrollment Period. Your 7-month Initial Enrollment Period usually:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

Get an estimate of when you can enroll in Medicare. 

Decide if you want Part A & Part B

Most people should enroll in Part A when they turn 65, even if they have health insurance from an employer. This is because most people paid Medicare taxes while they worked so they don’t pay a monthly premium for Part A. Certain people may choose to delay Part B. In most cases, it depends on the type of health coverage you may have. Everyone pays a monthly premium for Part B. The premium varies depending on your income and when you enroll in Part B. Most people will pay the standard premium amount of $135.50 in 2019.

Learn more about whether you should take Part A and Part B.

Choose your Coverage

If you decide you want Part A and Part B, there are 2 main ways to get your Medicare coverage — Original Medicare or a Medicare Advantage Plan (like an HMO or PPO). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap).Most people who are still working and have employer coverage don’t need additional coverage. Learn about these coverage choices.

Sign up for Medicare (unless you’ll get it automatically)

Some people automatically get Part A and Part B. Find out if you’ll get Part A and B automatically. If you’re automatically enrolled, you’ll get your red, white, and blue Medicare card in the mail 3 months before your 65th birthday or your 25th month of disability. If you don’t get Medicare automatically, you’ll need to apply for Medicare online.

Prescription drug coverage can vary by cost, coverage, convenience, and quality. Here are 6 common situations to consider before making a decision about Medicare drug coverage.

Local Medicare HElp

Frequently asked questions

Your online connection to the “Medicare & You” handbook.

You can call 1-800-MEDICARE (1-800-633-4227 TTY 1-877-486-2048) or use the online service

https://www.medicare.gov/what-medicare-covers

We believe it is our responsibility to:

  • Provide Education on Medicare to eligible members in our businesses and our community.
  • Help to address and resolve the issues our clients face.
  • Cultivate and maintain brand awareness. 
  • Engage and encourage members manage their health care .

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