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A: Medicare Part A (Hospital Insurance)

• Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services.

• Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working.

B: Medicare Part B (Medical Insurance)

• Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

• It requires a monthly premium, which is typically deducted from your Social Security benefits.

C: Medicare Part C (Medicare Advantage Plans)

• Also known as Medicare Advantage, Part C plans are offered by private companies approved by Medicare.

• These plans provide all Part A and Part B benefits, and often include additional benefits like vision, dental, and prescription drug coverage.

D: Medicare Part D (Prescription Drug Coverage)

• Part D provides prescription drug coverage through private insurance companies approved by Medicare.

• It helps cover the cost of prescription drugs and may lower your prescription drug costs and protect against higher costs in the future.

These are the main components of Medicare, each serving different aspects of healthcare coverage for eligible individuals aged 65 and older, as well as certain younger people with disabilities.

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The easy was is to call us and we can walk you through it. 299-5180

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Initial Enrollment Period (IEP):

• Most people are first eligible to enroll in Medicare during their Initial Enrollment Period (IEP), which starts three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65.

• If you're eligible due to a disability, you can enroll in Medicare during a similar IEP based on your disability date.

• Enrollment Options:

  • Automatic Enrollment: If you're already receiving Social Security or Railroad Retirement Board (RRB) benefits when you turn 65, you'll be automatically enrolled in Medicare Parts A and B starting the first day of the month you turn 65.

  • You should get your Medicare card from Social Security 2 to 3 months before your 65th birthday.

  • Call us for a free consultation or attend a Medicare Made clear meeting, our next on is July 24th at 5:30 at the Dysarts on Broadway in Bangor

  • If you Prefer or If your out of the area, we can do this one on one.

  • Manual Enrollment: If you are not collecting social security you need to manually enroll

  • If you're not automatically enrolled, you can sign up for Medicare:

    • Online through the Social Security Administration (SSA) website (ssa.gov).

    • By calling the SSA at 1-800-772-1213 (TTY 1-800-325-0778).

    • Visiting your local Social Security office.

• Special Enrollment Periods (SEPs):

  • If you missed your Initial Enrollment Period, you may qualify for a Special Enrollment Period (SEP) to sign up for Medicare. Common SEPs include delaying enrollment because you had employer group health coverage.

• Medicare Advantage (Part C) and Prescription Drug Plans (Part D):

  • You can enroll in Medicare Advantage or Prescription Drug Plans:

    • When you first become eligible for Medicare (Initial Enrollment Period).

    • During the Annual Enrollment Period (AEP), which is from October 15 to December 7 each year.

    • During Special Enrollment Periods (SEPs), if you qualify based on certain circumstances (e.g., moving to a new area with different plan options).

• Enrollment Tips:

  • It's generally advisable to enroll in Medicare as soon as you're eligible to avoid potential penalties for late enrollment.

  • Review your healthcare needs and compare Medicare plans (Original Medicare, Medicare Advantage, and Part D plans) to choose the best coverage for you.

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