October 15th through December 7th
Medicare Benefits Enrollment
We offer Medicare Advantage Plans, Medicare Supplement Plans, along with Medicare Part D Rx plans that 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.
How It Works
Medicare is the federal health insurance program for people who are 65 or older. The different parts of Medicare help cover specific services:
Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance)
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Most people will pay a standard Part B premium which varies depending on income.
When are you eligible 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 an Advantage plan, you must act during the open enrollment period. You may purchase an Supplement Plan at any time during the year, but if you purchase during open enrollment, you may skip the underwriting process.
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
Please fill out and submit the following form and we will contact you soon.