As a Medicare beneficiary, you are entitled to certain rights and protections under the law. These rights are designed to protect your privacy, protect you against unethical practices, and ensure you get the health care you need.
In this guide, we explore your rights as they relate to the different parts of Medicare. We encourage you to print a copy of the guide and refer to it as you explore your Medicare options.
If you’re enrolled in Original Medicare (Medicare Part A and Part B), you have the right to:
If you are enrolled in a Medicare Advantage (Medicare Part C) plan, you have the right to:
Note: you must be enrolled in Original Medicare to qualify for Medicare Advantage.
If you have a Medicare Prescription Drug Plan (Medicare Part D), you have the right to:
There are also rights that every Medicare beneficiary is entitled to, including protection from discrimination, the right to privacy, the right to Medicare information (in a language you understand), and the right to file a complaint or appeal.
For more information about your Medicare options or your rights under Medicare, speak with a licensed insurance agent at TTY Users: 711.
Source: Centers for Medicare and Medicaid Services “Medicare Rights and Protections” published January 2018. https://www.medicare.gov/Pubs/pdf/11534-Medicare-Rights-and-Protections.pdf
* Medigap policies may not be available to individuals younger than 65. The following states require that insurance companies offer at least one type of Medicare Supplement Insurance plan to people under 65 who receive Medicare benefits: California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Vermont and Wisconsin. Note: California, Massachusetts and Vermont require that insurance companies offer at least one Medigap policy to people under 65 who are disabled. This requirement does not include those who are under 65 and have end-stage renal disease. Delaware requires that insurance carriers offer at least one Medigap policy to those under 65 who have ESRD. This requirement does not include those under 65 who are disabled.