Turning 65 usually means going on the Medicare for your health insurance. This typically involves signing up for Medicare Part A (hospital insurance) and Part B (medical Insurance). You should contact Medicare or the Social Security Administration to get this set up. Once your A&B are setup, contact us to get your prescription plan, Medicare supplement, or Medicare Advantage plan.
Presciption Plans (Part D)
Medicare drug coverage (also known as Medicare Part D) helps pay for the brand-name and generic drugs you need. It's optional and offered to everyone with Medicare by insurance companies and other private companies approved by Medicare. Even if you don’t take prescription drugs now, consider getting Medicare drug coverage to avoid paying a late enrollment penalty if you join a plan later.
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.
Generally, you must have Original Medicare – Part A (Hospital Insurance) and Part B (Medical Insurance) – to buy a supplement.
You get a 6 month “Medigap Open Enrollment” period, which starts the first month you have Medicare Part B and you’re 65 or older. During this time, you can enroll in any Medigap policy and the insurance company can’t deny you coverage due to pre-existing health problems. After this period, you may not be able to buy a Medigap policy, or it may cost more. Your Medigap Open Enrollment Period is a one-time enrollment. It doesn’t repeat every year, like the Medicare Open Enrollment Period.
All Medigap policies are standardized. This means, policies with the same letter offer the same basic benefits no matter where you live or which insurance company you buy the policy from. There are 10 different types of Medigap plans offered in most states, which are named by letters: A-D, F, G, and K-N. Price is the only difference between plans with the same letter that are sold by different insurance companies.
Medicare Advantage Plans (Part C)
Medicare Advantage, also known as Part C of MA Plan, is a type of Medicare health plan offered by private companies that's approved by Medicare. These plans offer all the coverage of Original Medicare (Parts A and B) and typically include Part D prescription drug coverage as well. Medicare Advantage plans may also offer extra benefits like vision, dental, and hearing coverage that Original Medicare doesn't cover. Most Medicare Advantage Plans include drug coverage (Part D).
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