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New to Medicare?

Medicare is a federal health insurance program in the United States primarily for individuals aged 65 and older, but it also covers some younger individuals with disabilities. It consists of different parts, each covering specific aspects of healthcare services. Here’s an overview:

  1. Medicare Part A (Hospital Insurance):
    • Covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.
    • Most people do not pay a premium for Part A if they or their spouse have paid Medicare taxes while working.
  2. Medicare Part B (Medical Insurance):
    • Covers outpatient care, doctor visits, preventive services, and some medical equipment.
    • Requires a monthly premium based on your income.
  3. Medicare Part C (Medicare Advantage):
    • Offered by private insurance companies approved by Medicare.
    • Combines the benefits of Part A, Part B, and often prescription drug coverage into a single plan.
    • May offer additional benefits like dental, vision, and fitness programs.
  4. Medicare Part D (Prescription Drug Coverage):
    • Provides prescription drug coverage through private insurance companies.
    • You’ll pay a monthly premium for this coverage.
  5. Medigap (Medicare Supplement Insurance):
    • Sold by private insurance companies to fill gaps in Original Medicare coverage, such as deductibles, copayments, and coinsurance.
    • Works alongside Original Medicare.

Here are some steps to get started with Medicare:

  1. Eligibility: Ensure you meet the eligibility criteria, primarily being 65 or older, or having certain disabilities.
  2. Enrollment: If you’re not automatically enrolled, you’ll need to enroll in Medicare. You can do this through the Social Security Administration (SSA) or online at the official Medicare website.
  3. Choosing a Plan: Decide whether you want Original Medicare (Part A and Part B) or a Medicare Advantage plan (Part C). Consider your healthcare needs, budget, and preferred providers when choosing.
  4. Medicare Part D: If you choose Original Medicare, consider enrolling in a Part D prescription drug plan if you need prescription drug coverage.
  5. Medigap: If you choose Original Medicare and want additional coverage, you can explore Medigap plans. These plans vary, so compare them carefully.
  6. Understanding Costs: Familiarize yourself with the costs associated with Medicare, including premiums, deductibles, copayments, and coinsurance.
  7. Open Enrollment: Be aware of the Medicare Open Enrollment Period, which typically runs from October 15 to December 7 each year. During this time, you can make changes to your Medicare coverage.
  8. Seek Help: If you have questions or need assistance, contact one of our agents, or you can reach out to your local State Health Insurance Assistance Program (SHIP) or for guidance.

Remember that Medicare can be complex, and the best plan for you will depend on your individual needs and circumstances. It’s a good idea to review your coverage annually with your licensed agent to ensure it still meets your healthcare needs.

New to Medicare and Not sure where to start?

Medicare is health insurance for those 65 and older or those with disabilities. It has different parts, including Part A for inpatient care, Part B for outpatient care, Part C which combines both, and Part D for prescriptions. Private insurance called Medigap can fill gaps in coverage. To start, check eligibility, enroll on Medicare’s website, choose a plan based on medical needs and budget, and consider providers. Open enrollment is October 15 to December 7. Review coverage annually. Use licensed agents or for help.

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