When do I apply for Medicare? And what parts do I need?
The Initial Enrollment Period (IEP) is the first time you can sign up for Medicare. You may join Medicare Parts A, B, C and D during this window of time:
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The 3 months before your 65th birthday
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The month of your birthday
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The 3 months after your birthday
How do I enroll in Medicare?
What are parts A, B, C, and D?
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Medicare Part A (Hospital Insurance)
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Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
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Medicare Part B (Medical Insurance)
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Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
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Medicare Part C (Medicare Advantage Plans)
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Medicare Part D (Prescription Drug Coverage)
Do I still have to pay my Part B premium if I enroll in a Medicare Advantage plan?
Yes, you are still required to pay your Part B premium to Medicare. The cost for Part B is based on your household income and can differ from person to person. Check with Medicare for the amount you will pay for your Part B premium.
What is the difference between Medicare Supplement/Medigap and Medicare Advantage?
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A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like:
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Copayments
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Coinsurance
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Deductibles
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Medicare Advantage plans must cover all of the services that Original Medicare covers.
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These Medicare health plans are offered by a private company that contracts with Medicare. Medicare Advantage plans provide all of your Part A and Part B benefits.
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Most Medicare Advantage plans offer extra coverage, like vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).
Are there any late enrollment penalties?
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Part B
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In most cases, if you don't sign up for Part B when you're first eligible, you'll have to pay a late enrollment penalty. You'll have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10 percent for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B. Your coverage will start the month after you sign up.
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Part D
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The late enrollment penalty is an amount added to your Medicare Part D monthly premium.
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You may owe a late enrollment penalty if, for any continuous period of 63 days or more after your initial enrollment period (IEP) is over, you go without one of these:
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A Medicare Prescription Drug plan (Part D)
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A Medicare Advantage plan (Part C, like an HMO or PPO)
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Another Medicare health plan that offers Medicare prescription drug coverage
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Creditable prescription drug coverage
Will I be covered if I travel out of the area?
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When you are outside the service area or the United States and cannot get care from a network provider, our plan will cover urgently needed services that you get from any provider.
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Original Medicare does not cover services outside the United States.