Medicare Coverage Explained

What is Medicare?

Medicare is a federal health insurance program designed to help those aged 65 and older, and certain younger individuals with disabilities, access affordable healthcare. It’s important to understand that Medicare is not a one-size-fits-all solution—it consists of different parts, each designed to cover different types of services.

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Eligibility for Medicare

You may qualify for Medicare if:

• You are 65 or older.

• You are under 65 but have a qualifying disability.

• You have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig's disease).

Even if you’re still working, you’re eligible for Medicare when you turn 65. If you’re receiving Social Security benefits, you’ll be automatically enrolled. If not, you’ll need to sign up during your Initial Enrollment Period (IEP).

When to Enroll in Medicare

It’s important to sign up for Medicare at the right time to avoid late enrollment penalties. Here are the key enrollment periods:

• Initial Enrollment Period (IEP): Starts three months before your 65th birthday and lasts for seven months (three months before, the month of, and three months after).

• General Enrollment Period (GEP): If you missed your IEP, you can sign up between January 1 and March 31 each year. Coverage starts July 1.

• Special Enrollment Period (SEP): If you’re still working and covered by an employer health plan, you can sign up for Medicare later without penalty when your employment or coverage ends.

How to Apply for Medicare

Applying for Medicare is simple and can be done online through the Social Security Administration website, by phone, or in person at a local Social Security office. You’ll need to provide personal information such as your birthdate and Social Security number.

Choosing the Right Medicare Plan

Choosing the right Medicare plan can feel overwhelming. Here are some things to consider:

• Health care needs: Do you have regular prescriptions, require specialist care, or need additional services like vision or dental coverage?

• Budget: Consider how much you’re willing to spend on premiums and out-of-pocket costs.

• Doctor network: Some Medicare Advantage plans require you to use specific doctors or hospitals.

Get Help Understanding Medicare

We understand that Medicare can be complex, but you don’t have to navigate it alone. Our team of experts is here to guide you through the options, help you understand your coverage, and make sure you get the best plan for your health and budget.

Contact Us Today to schedule a consultation and get answers to your questions about Medicare!