Turning 65 or New to Medicare?
Get Simple Answers to Your Medicare Questions
The Simple Steps You Should Take Today
You’re turning 65 and knowing your Medicare options is critical. You’re 65th birthday is likely just around the corner, so its time to sort-out your Medicare plan. Medicare health insurance options are quite different from what you’ve had in the past. and its easy to feel overwhelmed. There are a few basic things you need to know and do as your 65th birthday near.
Sign-up for Medicare
In many cases, you will be enrolled in Medicare Part A and Part B when you sign-up for Social Security. However, if you weren’t automatically enrolled, you may sign-up for Medicare here during specific enrollment periods. Your initial enrollment period begins 3 months prior to your birthday month, and lasts three months after your birthday month (a total of 7 months).
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Choose How You Will Use Your Medicare
Medicare alone does not cover everything, so you’ll need a Medicare supplement or Medicare Advantage Plan. These plans work in conjunction with Medicare to provide more comprehensive coverage.
Generally, Medicare Advantage plans offer more robust benefits at lower costs (vision, dental, prescription, and many more). The trade-off is that you generally must use a primary care physician and provider network.
Medicare supplements offer you the freedom to see any provider that accepts Medicare. However, you must pay a premium for this plan, as well as purchase a prescription drug plan.
Medicare supplements are generally best for those that travel often. However, Medicare Advantage plans offer benefit rich plans at a low cost (no monthly premiums, and Part B premium refund in many cases). Medicare Supplement plans are standardized, making your choice a bit simpler. View our Medicare Supplement page for more detail on these plans.
Shop, Compare, and Enroll Online
Choose and Enroll in a Medicare Plan
Choosing a Medicare plan is easy, and begins with understanding what you need from your health insurance plan. There are several areas to pay attention to when choosing a plan:
Do your doctors accept the plan?
Be sure your “must-have” doctors and providers accept the plan before enrolling. Each plan will have a provider list available for you to review. Obviously, this is not a concern for those that do not have a need for a specific provider.
Are your prescription drugs covered?
Prescription benefits for Medicare Advantage and Part D plans offer at least two medications for each class. While one plan may not cover your prescription medications, it is likely there is a plan that will.
Can you afford the plan?
Medicare supplements will charge a monthly premium, oftentimes up to $300.00 or more. You will additionally need to purchase a Part D prescription drug plan. Medicare supplement plans best service those who travel often. Otherwise, a Medicare Advantage Plan provides a great benefits package without a monthly premium.
In many cases, Medicare Advantage plans do not have a monthly premium. Most of the Florida Medicare Advantage plans also provide vision, dental, and hearing benefits at no additional cost.
Make the Most of Your Medicare
As with most things, a professional opinion can save you a lot of time and energy. Florida Medicare Advantage Advisors can help you find the right Medicare plan for you, without you having to become an expert in Medicare insurance. Schedule a convenient time to talk with a helpful advisor here.
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