Medicare Can Be Confusing — Let Us Help.

Getting Medicare is a major achievement. People who are turning 65 often have a tough time figuring out all the parts and plans with the same letters. It can be confusing, but we’re here to answer questions and help you get the Medicare information you need.

Parts of Medicare

Medicare is divided into four main parts: A, B, C, and D. This can be confusing for many people new to Medicare. 

  • Part A helps you cover hospital expenses.
  • Part B includes coverage for medically necessary services.
  • Part C is Medicare Advantage: private health plans you can get instead of Medicare.
  • Part D helps you reduce the cost of your retail prescription drugs.

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Important Facts As You Get Started

-Some people are automatically enrolled in Medicare while others have to sign up. You may have to actively enroll if you’re 65 and not getting Social Security.

-There are certain periods when you can sign up or change your Medicare coverage.

-If you sign up for Part B when you’re first eligible, you can avoid a late enrollment penalty.

-You choose how you get your coverage.

-You may be able to get help with your costs, especially for Part D.

At What Age Does Medicare Start?

You’re eligible for Medicare at age 65, whether you’re taking Social Security income benefits or not. Some people are eligible before 65 due to illness or a disability.

What If You Don’t Retire at 65?

If you’re still working past 65 and have health insurance through your employer, you can have that private coverage AND Medicare. However, there are some things to consider. It would be a good idea to compare the costs for Medicare to the costs and deductibles of your group insurance. It might make more sense to stick with your employer coverage, and an agent can advise you on what to do.

Medicare As Your Primary Insurance

When you leave your employer coverage to transition to Medicare, it can be overwhelming at first. But once you know what steps to take, it’s a straightforward process. And with some proper planning, you’ll be able to avoid penalties and get the most out of your coverage. 

Once you’ve learned the basics, confirmed your eligibility, and are prepared to pay some costs, you’re ready to apply for Medicare.

When and How Should You Sign Up?

For most people, the best time to sign up is during your Initial Enrollment Period (IEP) — a seven-month window that begins the three months before the month you turn 65 and ends the three months after. 

Important Notes: The only parts you need to enroll in at the Social Security office are A and B.

If Medicare will be your primary insurance, you definitely need Part B.

How Is Medicare Coverage Determined?

Medicare coverage is based on these factors:

  • Federal and state laws
  • National decisions made by Medicare 
  • Local decisions made by companies in every state that process Medicare claims.

These companies decide whether an item or service is “medically necessary” and should be covered in that area.

Keep Learning About Medicare

To learn more about your coverage options in Florida, including Medicare Supplements and Medicare Advantage plans, please keep browsing our website.