INITIAL ENROLLMENT (Turning 65)
YOU MAY ENROLL IN A MEDICARE SUPPLEMENT OR MEDICARE ADVANTAGE PLAN
3 MONTHS BEFORE THE MONTH OF YOUR BIRTHDAY
THE MONTH OF YOUR BIRTHDAY
3 MONTHS AFTER THE MONTH OF YOUR BIRTHDAY (7 MONTH PERIOD)
Your Medicare coverage will begin on the first of the month of your birthday. You can delay enrollment in PART B, if you are insured through an employer group plan or other creditable coverage.
Choosing a Medicare plan does not have to be difficult. We have been helping people for over 20 years.
Congress created Social Security in1965.
Choosing the right Medicare coverage can be overwhelming. That is why it is important to discuss your Medicare needs with a professional who can explain your options, and help you to make an informed decision.
* This website is not associated or endorsed by the Social Security Administration, the Centers for Medicare and Medicaid Services, or the Department of Health and Human Services.
MEDICARE ENROLLMENT PERIODS
* Medicare Supplement Plans are not the same as Medicare Advantage Plans. Medicare Advantage plans are managed by private insurance companies, while Medicare Supplements are plans that work with Original Medicare. Original Medicare is managed by the Federal Government.
Help to pay for expenses that are not covered under Original Medicare
Things to consider when choosing a Medicare Advantage Plan:
ANNUAL ENROLLMENT PERIOD (Medicare Advantage Plans)
OCTOBER 1ST - 14TH PRE ENROLLMENT (NEXT YEAR'S PLANS BENEFITS PUBLISHED)
OCTOBER 15TH - DECEMBER 7TH ANNUAL ENROLLMENT PERIOD (AEP)
JANUARY 1ST - MARCH 31ST MEDICARE ADVANTAGE OPEN ENROLLMENT PERIOD (OEP)
APRIL 1ST - DECEMBER 31ST LOCK-IN PERIOD UNLESS QUALIFIED FOR AN S.E.P.
SPECIAL ENROLLMENT PERIOD (SEP)- An individual may be able to change their Medicare Advantage plan under special circumstances such as:
Loss of Current Coverage
Move out of the plan's service area
Eligible for extra benefits through Medicaid or Low Income Supplement
Reside in a Skilled Nursing Facility or Long Term Care facility
Qualify for a Chronic Care Plan
5 Star Plan available in the service area
Error by Federal Employee or Insurance Agent
* YOU CAN CHANGE YOUR MEDICARE SUPPLEMENT ANYTIME DURING THE YEAR.
Medicare began in 1965, and is a health program for:
Original Medicare consists of Part A & Part B
Part A Hospital Insurance: Covers care in hospitals and skilled nursing homes. It does not cover custodial or long-term care.
Most Medicare enrollees pay $0. monthly premium for Part A coverage
Part B Medical Insurance: Helps cover doctors' services and out-patient care.
Most Medicare enrollees pay$164.90 monthly premium for Part B coverage.
Medicare Part C comprises the Medicare Advantages Plans
the private insurance companies. Plan benefits and premiums may
change annually.
Medicare Part D is Prescription Drug Coverage