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Expand your Medicare coverage with a Medicare Advantage Plan. Some plans may offer additional coverage for prescription drugs, dental and vision.
2 things to know about Medicare eligibility and enrollment:
In order to qualify for Medicare coverage, you must be at least 65 years old and a citizen (or permanent legal resident) of the United States. You also may qualify if you are under 65 and have a qualifying disability or disease.
Some people are enrolled in Medicare automatically. If you are not enrolled automatically, you can enroll on your own during certain enrollment periods.
Some people are enrolled in Medicare Parts A and B automatically.
You may be enrolled automatically if one of the following situations applies to you, according to Medicare.gov:**
If you are automatically enrolled, you will get a Medicare card in the mail 3 months before your 65th birthday, or your 25th month of disability.
If you do not want Medicare Part B (which requires you to pay an additional premium), you should follow the instructions on the back of the card to opt out.
If you are not enrolled in Medicare automatically, you need to apply during an enrollment period. Enrollment periods are windows when you can join Medicare. The following are the 3 enrollment periods to join Medicare Parts A and B:
The IEP is the first window when you can enroll in Medicare.
Your IEP is 7 months long. It starts 3 months before the month you turn 65 years old, continues through the month you turn 65 years old, and then for another 3 full months after you turn 65 years old.
Here is an example of how the IEP works: If you turn 65 on June 5, your IEP starts on March 1 (3 full months before June) and ends on September 30 (3 full months after June).
If you want Medicare coverage, you should apply as early as possible. If you apply before the month of your 65th birthday, coverage will start the first day of the month you turn 65.
SEPs allow you to enroll in Medicare after your IEP ends. You may qualify for a SEP if you or a spouse was working and covered by an employment-based group health plan during your IEP. (Note: COBRA and retiree health plans are not considered employment-based group health plans.)
If this situation applies to you, you can enroll in Medicare Parts A and B during the following periods:
You may be eligible for an SEP for other reasons. SEPs can allow someone to enroll, drop or switch plans, based on certain circumstances — such as moving, Medicaid eligibility or qualifying for extra help. Learn more about SEPs on the Medicare website.
The GEP is when you can sign up for Medicare Parts A or B if you are not eligible for an SNP and didn’t enroll during your IEP.
The GEP runs from January 1 to March 31 each year. If you enroll during the GEP, you may pay a higher premium and your coverage will start on July 1.
Eligible applicants may apply online with the Social Security Administration (SSA). Before applying, you should have the following information ready:
After your application is submitted, you will be contacted by an SSA representative if they need any additional information. Accepted applicants should receive a decision letter and a Medicare card in the mail.
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*You must continue to pay your Medicare Part B premium.
$0 premium plans may not be available in all areas.
**Medicare.gov, "How Do I Get Parts A & B." Published 2018. https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-how-to-sign-up-for-part-a-and-part-b.html#collapse-3100
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.
MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage [HMO, PPO and PFFS] organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.
TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.
Not all plans or products are available in all markets. Additional plans may be available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
Last Updated: 09/12/2017 Accepted