Medicare Information

Medicare Coverage

Insurance provided by the federal government

Enroll in Original Medicare and decide if you want additional

coverage by adding an advantage or supplement plan

Part A: Helps pay Hospital stays- most people do not pay for Part A

Part B: Helps pay for Doctor visits- most people pay monthly premium depending upon income

Part D: Prescription Drug plan required with original Medicare usually with a monthly premium

You can enroll 3 months before your 65th birthday and up to 3 months afterwards.

You can also enroll 2 years after being qualified as disabled with your state social security office.

People with End-Stage Renal Disease {permanent kidney failure} can enroll at any time.

Medicare Advantage Plan

Part C: Combine parts A and B with Prescription drug part D and are offered by private insurance companies as an alternative to Original Medicare. Most plans also offer additional benefits like vision, hearing, dental, etc.

Enrollment Periods:

Annual Enrollment Period, October 15- December 7

At this time you can add, drop or switch your Medicare coverage

Open Enrollment Period, January 1- March 31

At this time people who are already a Medicare advantage plan member can make a change in their Medicare advantage plan or go back to original Medicare

Special Enrollment Period,

At this time you may make a change in your Medicare advantage for special circumstances such as retiring, moving, change in Medicaid, or diagnosed with a qualifying chronic health condition

Medicare Supplement Insurance

These policies pay for some or all the cost not covered by Original Medicare coverage like deductibles and co-pays for medical services.

Supplement plans have a monthly premium but little if no extra out of pocket cost depending on the plan you choose. A prescription plan will also need to be acquired.