When Can I Enroll In Medicare?
The first time you can enroll in Medicare is around your 65th birthday. You can also qualify to enroll in Medicare with a qualifying disability or medical condition. Around your 65th birthday, you will have a 7-month window when you can sign up for Medicare. Your enrollment period includes your 65th birthday month, the 3 months before and the 3 months after.
What If I Am Still Working?
If you plan to keep working or you have employer health coverage through a spouse when you turn 65, you have some options. You may be able to choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage. This will all depend on your specific situation and the rules of the employer.
What If I Do Not Enroll On Time?
Missing your Initial Enrollment Period can be costly. Medicare Part A, Part B and Part D charge premium penalties if you miss your initial enrollment dates without having a qualifying reason.
What Are My Medicare Coverage Options?
You will need to enroll in Original Medicare Part A and Part B. These however do not cover everything and your out of pocket costs can add up. Additional Medicare coverage such as Medicare Supplements, Medicare Advantage plans and Part D prescription plans will help cover what Part A and Part B will not.
I Take Prescription Drugs
If you use prescription drugs, you will either need to get a stand-alone Part D prescription drug plan or a Medicare Advantage plan that includes drug coverage. Medicare Part A will only cover drugs you use in the hospital as an in-patient.
I Need Dental, Vision & Other Health Benefits
Dental, vision, hearing and fitness benefits are not covered by Medicare Parts A, B and D. However, Medicare plans offer these benefits as well as other benefits, such as transportation for medical appointments and virtual doctor visits.
I Qualify For Medicaid
There are Medicare plans specifically designed for people who are eligible for both Medicaid and Medicare. These are called Dual Special Needs Plan (DSNPs). These plans are a special kind of Medicare Advantage Plan that combine Parts A, B , D, Medicaid, and extra benefits such as dental and vision.
There is no “one size fits all” when it comes to Medicare. You need to choose coverage based on your needs and we can help! Book an appointment Today!