Turning 65? Discover Your Medicare Options Today.
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Medicare Part A and Part B work together to provide essential healthcare coverage:
Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.
Part B (Medical Insurance) covers doctor visits, outpatient care, preventive services, home health care, and durable medical equipment.
Most people qualify for premium-free Part A based on their work history, while Part B requires a monthly premium. You can find more details here. Let me know if you need help navigating enrollment or coverage options!
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To avoid late enrollment penalties, it's best to sign up for Medicare during your Initial Enrollment Period (IEP), which starts 3 months before you turn 65 and ends 3 months after your birthday month. If you miss this window and don’t qualify for a Special Enrollment Period (SEP), you may face penalties:
Part A: If you have to buy Part A and delay enrollment, your premium increases by 10% for twice the number of years you didn’t sign up.
Part B: Your premium increases by 10% for each full year you were eligible but didn’t enroll.
Part D (Prescription Drug Coverage): If you go 63+ days without creditable drug coverage, you’ll pay an extra 1% per month you delayed enrollment.
You can check out more details here. Let me know if you need help navigating enrollment!
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Here are some common Medicare mistakes and how to avoid them:
Missing Enrollment Deadlines – If you don’t sign up during your Initial Enrollment Period (IEP) or a Special Enrollment Period (SEP), you may face late penalties.
Not Understanding Coverage Options – Medicare has multiple parts (A, B, C, D). Choosing the wrong plan can lead to coverage gaps or higher costs.
Ignoring Medigap or Advantage Plans – Many people don’t explore Medicare Supplement (Medigap) or Medicare Advantage plans, which could provide better coverage for their needs.
Overlooking Prescription Drug Coverage – If you don’t enroll in Medicare Part D or another creditable drug plan, you could face penalties and higher costs later.
Not Reviewing Coverage Annually – Medicare plans change yearly. Failing to review your plan could mean higher costs or losing access to preferred doctors.
Assuming Employer Coverage is Enough – Some employer plans become secondary to Medicare at age 65, meaning Medicare must be your primary coverage.
Not Seeking Financial Assistance – Many people qualify for Medicare Savings Programs or Extra Help for prescription costs but don’t apply.
You can find more details here. Let me know if you need help navigating your options
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You should enroll in Medicare during your Initial Enrollment Period (IEP), which starts 3 months before your 65th birthday and lasts 3 months after. Missing this window could result in late enrollment penalties and coverage delays
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If you have creditable employer coverage, you may qualify for a Special Enrollment Period (SEP) and can delay Medicare Part B without penalties. However, if your employer has fewer than 20 employees, Medicare becomes primary, and you should enroll to avoid gaps in coverage.
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Original Medicare (Part A & B) does not cover routine dental or vision care, but Medicare Advantage (Part C) plans often include dental, vision, and hearing benefits. You can also purchase standalone dental and vision insurance for additional coverage.
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Yes! You can switch Medicare plans during the Annual Enrollment Period (AEP) (October 15 – December 7) or the Medicare Advantage Open Enrollment Period (January 1 – March 31). If you qualify for a Special Enrollment Period (SEP), you may change plans outside these windows.
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Item descriptionYes! If you delay enrolling in Medicare Part B without creditable coverage, your premium increases by 10% for each full year you were eligible but didn’t enroll. Part D (prescription drug coverage) also has a 1% monthly penalty if you go 63+ days without creditable drug coverage.
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