Medicare

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Did you miss the deadline?   Health laws require that Medicare insurance plans be purchased within the enrollment period. To enroll for coverage outside of the open enrollment period, you will need a qualifying event to be eligible.  Click here to learn more.

Medicare Open Enrollment October 15th through December 7th

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 Advantage Plans, Medicare Supplement Plans, along with Medicare Part D Rx plans will provide more coverage and/or help fill in that gap between your out-of-pocket healthcare expenses and what your original Medicare covers.

Here’s how these plans work to offset your healthcare costs:

Medicare Supplement Insurance policies complement your original Medicare and will pay some, if not all, of the expenses that Part A and B do not cover.   

Medicare Advantage Plans are part C of Medicare and Part C plans combine Part A and Part B into one plan. Some Advantage Plans have a part D (prescription coverage) built into them.

Medicare Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. 

Signing up for Medicare

To sign up for Medicare Parts A & B, most will have a 7 month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

Once enrolled, if you wish to change or purchase Advantage and Supplement Plans, you must act during the open enrollment period.

When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period.  Listed below are the qualifying events:

  • You are turning 65
  • You move to a new area that is not in your current plan’s service area
  • Recently moved back to the US
  • You lose your current coverage (either Group or Medicaid)
  • You now need a SNP (Special Needs Plan) or you no longer need a SNP

Medicare is complex.  We suggest you call our office for more information.

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