Your Medicare
Getting Medicare is a major milestone. Here’s where you can get the information you need, no matter where you are in your Medicare journey.
5 important facts:
1
Some people get Medicare automatically, and some have to sign up. You may have to sign up if you’re 65 (or almost 65) and not getting Social Security.
2
There are certain times of the year when you can sign up or change how you get your coverage.
3
If you sign up for Medicare Part B when you’re first eligible, you can avoid a penalty.
4
You can choose how you get your Medicare coverage.
5
You may be able to get help with your Medicare costs
Things to do now: choose any path below to find out more about Medicare, and when and how to sign up.
New to Medicare? Let’s Get Started with the Basics
Medicare is a U.S. federal government health insurance program that subsidizes healthcare services. The plan covers people age 65 or older, younger people who meet specific eligibility criteria, and individuals with certain diseases.1
Medicare is divided into different plans that cover a variety of healthcare situations—some of which come at a cost to the insured person. While this allows the program to offer consumers more choice in terms of costs and coverage, it also introduces complexity for those seeking to sign up.
- What is Medicare
- What does Medicare cost?
- Are you eligible?
- When and how to enroll
- What does Medicare cost?
Medicare Supplements (Medigap)
Medigap, also called Medicare Supplement Insurance, is health insurance coverage provided by private companies designed to pay for costs not covered by Original Medicare. Depending on which plan you get, these costs might include copayments, coinsurance, and deductibles, as well as services Original Medicare doesn’t cover, such as travel outside of the U.S.
Medicare Advantage (Part C)
Part C of Medicare is called Medicare Advantage. These plans offer the coverage of Original Medicare with additional benefits. Here we will outline the coverage and costs of Medicare Advantage plans, as well as describe the plan types available, eligibility requirements, and enrollment opportunities.
Medicare Part D
Medicare Part D is a fundamental part of many people’s health insurance. It provides prescription drug coverage and is one of the four parts of Medicare. Understanding prescription drug coverage goes hand in hand with understanding how Medicare operates. We’ll discuss the basics of Medicare and whether or not Part D is the right choice for you.
Medicare and Low Income Programs
If you have a limited income, you may be able to get assistance with your health care costs through certain programs
Dual Plans
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Medicare and Veterans
While Medicare Advantage for veterans may not seem necessary for retirees using TRICARE or VA health coverage, it could be more beneficial than you know.
While some healthcare coverage can be restrictive, you are allowed to combine Medicare Advantage with TRICARE and VA health coverage.
We’ll go over how they can work together to make sure you have convenient and effective healthcare coverage.
Dental, Hearing & Vision
If you only have health coverage through Original Medicare, you may be concerned that your benefits do not include dental or vision coverage. To get such coverage, you will have to seek out and enroll in a qualified plan that offers the benefits you need. Dental and vision insurance are not required by the Affordable Care Act, therefore you don’t have to worry about facing penalties for not buying coverage.
