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Enrolling in Medicare
If you're already a Medicare member and you're enrolling in Medicare Advantage, changing your Medicare Advantage plan or renewing your plan, you would typically do that during the Annual Election Period (AEP), October 15 - Dec 7. But if you're enrolling in Medicare for the first time, you have an Initial Enrollment Period. Initial Enrollment Period (IEP) - In the three months prior to the month you turn 65 - The month in which you turn 65 - In the three months after the month you turn 65 Important Dates Oct. 15 - Dec. 7 Annual Election Period (AEP) for Medicare Advantage plans and prescription drug plans for the next calendar year. Special Enrollment Period (SEP) Generally, outside of these time periods, you can only make changes to your plan due to special conditions, like moving out of your plan area leaving an employer group plan, or having Medicaid coverage. |
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If now is the time to make your Medicare choice, consider these factors:
Cost - How much will you pay for premiums, deductibles, coinsurance and copayments? Benefits - Are additional benefits included, such as prescription drug coverage? Convenience - Are the plan's in-network providers conveniently located? Needs - Have you needed care in the past few years? Do you anticipate your medicine needs will increase? Providers - Do your doctors and preferred healthcare facilities accept the plan? Think about your needs:
Your healthcare history - Do you have a chronic condition? - Will your healthcare needs grow in the near future? Your prescription drugs If your prescription drug spending increases in the future, Medicare Part D may help cover the cost. Need more coverage than Medicare Part A and Part B? A Medicare Supplement insurance plan or Medicare Advantage plan may help cover some unexpected healthcare cost. |
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More info about cost and choices to help you decide what's right for you:
Medicare Part D, Medicare Advantage and Medicare Supplement insurance plans have separate premiums from Original Medicare If you want more coverage than Original Medicare provides, you can choose Medicare Advantage or a prescription drug plan or a Medicare Supplement insurance plan. Select the coverage you want for the price that works for you. Your costs depend on the coverage you choose. Medicare Advantage costs depend on whether the plan charges a monthly premium, pays any of your monthly Part B premium and/or includes copayments, coinsurance or deductibles. Original Medicare and Medicare Advantage plans cover certain preventative services. Medicare Advantage plans are required to cover everything Original Medicare does. |
This website or any representatives affiliated with this site are not connected with or endorsed by the U.S. Government or the federal Medicare program. The purpose of this site/communication is the no obligation consultation and education of Medicare recipients. Contact will be made by an insurance agent.