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Understanding Medicare

The information you need to choose the right coverage for you is here! We guide you through this journey step by step, personalized speicific to you.

How is Medicare different from other health insurance? Medicare gives you options that you customize to receive benefits you need in a variety of different ways.
Who is eligible for Medicare? Age 65+, Under age 65 with certain disabilities, andthose who have End-Stage Renal Disease (ESRD)
When and how do you enroll? Most people, but not all, will enroll in Medicare around the time they turn 65. Your Initial Enrollment Period is an important one and begins 3 months before you turn 65 years old and ends 3 months after.

What if you plan to work past age 65? If you are still working, turning 65 does not always mean you have to sign up for Medicare right away. If you or your spouse are actively employed by a company, and receiving healthcare...you have options!

Parts To Medicare

What are your different Medicare Parts? Learning what each part covers can help you better understand your options and feel more confident about your decisions.
Medicare Part A (your hospital coverage) and
Medicare Part B (your medical coverage) are known as Original Medicare.
Medicare Part C (known as Medicare Advantage) is coverage that replaces your Part A and Part B offered by private companies with government contracts to provide you healthcare.
Medicare Part D (easily remembered as "Part D for drugs" is prescription drug coverage also offered by private companies, to help you pay for your prescription drugs.
Medicare Supplement (or Medigap) is coverage that fills and prevent gaps in your healthcare plan. Original Medicare nor Medicare Advantage covers "everything". When you have supplement coverage, Medicare pays its part of the approved amount and your policy then pays its share next.
Do you need to take all of the different parts? The short answer is no, you don't HAVE to do anything. However Part A and Part B do not cover everything and there is no "Out of Pocket Maximum" There are also penalties to some parts when you delay them which is why talking to an expert is the ideal route to go no matter what you may know.
It is important to take a close look into all of your Medicare coverage options.

Combinations Of Coverage

First let's get familiar with the basics and then be sure to team up with a Medicare agent. It is is the best thing you can do to take care of your retirement healthcare successfully.

The coverage combination you choose will be based on several factors like the in-network providers you will need to see, your prescription drugs, your budget and the lifestyle you have each affect your decision for coverage.

What are your basic coverage options for Medicare? Term Life is the least expensive of the main types of life insurance. The 5 most common options for Medicare include:
Original Medicare (Parts A and B only)
Original Medicare and Medigap Coverage
Original Medicare + Part D
Original Medicare + Medigap Coverage + Part D
Medicare Advantage (Part C)
Can you change your coverage? Yes! But there may be limits based on several factors. Medicare does give you the flexibility to join a different plan and even change your coverage during certain times of the year.

Enrollment Periods

Most people sign up for Medicare when they are first eligible. There are several risks to waiting to sign up later, such as no healthcare coverage or paying penalties. In some instances, it could make sense to wait and sign up.

Initial Enrollment Periods - The 7-month period that begins 3 months before you turn 65 and ends 3 months after.
If you are under age 65 and become eligibile for Medicare based on disability, your entitlement will begin on the 25th month of disability benefit entitlement. Your IEP is then 3 months before your 25th month of disability and ends 3 months after.
IEP's for people with ESRD and ALS will vary based on your situation.
Medicare Annual Enrollment - October 15th to December 7th; Medicare Annual Enrollment Period or AEP is the time when you can join or make changes to Part D prescription drug plans and Medicare Advantage plans.
Medicare Advantage Open Enrollment - January 1st to March 31st; Medicare Advantage Open Enrollment Period is the time of the year you can go back to Original Medicare and, as needed, switch your Part D plan.
If you are in a Medicare Advantage plan and want to change your coverage, you can switch to a different Medicare Advantage plan during this time as well.
Special Enrollment Periods (SEP's) - You may qualify to sign up for Medicare during a Special Enrollment Period throughout the year.
Reserved for certain events that occur in your life such as moving, losing your existing plan, if coverage changes or carriers update their Medicare contracts, etc.