You're at least 65 years of age (even if you still work).
Or you may be entitled to Medicae if you're under 65 & Qualify due to a disability or other special circumstance.
AND You're a U.S. citizen or a legal resident who has lived in the United States for at least five consecutive years.
If you're enrolling in Medicare for the first time, you have an Initial Enrollment Period that begins three months before and ends three months after you turn 65. It begins and ends one month earlier if your birthday is on the first of the month.
During the Annual Election Period (AEP) you can add, drop or switch your Medicare coverage. The changes during this period will take effect on January 1st of the new year.
A Special Election Period (SEP) is an opportunity to enroll/ change your plan outside of AEP due to a qualifying life event without a penalty. You generally have two months after the month the qualifying event occurs to make a switch. Examples of qualifying life events are moving, losing employer coverage, qualifying for Extra Help and/or Certain chronic diagnoses.
If you already have an advantage plan (aka Part C), you may enroll in another advantage plan or go back to Original Medicare during the Open Enrollment Period (OEP). You may only make one change within this period.
Choosing a Medicare Supplement or an Advantage plan can be based on several important factors including your health, budget and medical needs. Both have their merits and benefits, but since you can only choose one. It may be best to talk with a trusted advisor to help you figure it out.
In general, Part A (Hospital Insurance) has no monthly premium for the majority of Americans. Part A helps to cover:
In general, Part B (Medical Insurance) has a monthly premium and it's based on your income from two years ago. Part B will help to cover:
Advantage Plans, sometimes called Part C, are health plans offered through private insurance companies. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage (Part D).
If you decide to keep original Medicare (A&B) you need to have credible drug coverage. For some this may include coverage through the VA, Tricare or Federal Health Benefits. For the majority though you'll need to sign up for a stand alone Part D Prescription Drug Plans.
It will help cover prescription drug costs and starting in 2025, prescription drugs under Medicare will have a $2,000 Maximum out of pocket.
It's important to do this on time because there's a permanent premium surcharge for enrolling late if you don't have equivalent drug coverage from another credible source.
Coupons can be a great source of savings on Medicare. Sign up for a free drug savings card.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Don't overlook these 5 very important Medicare facts.
Need a Medicare or Social Security form? These are some of the most helpful and most commonly needed forms.
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Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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