There are many layers to the federal Medicare program. Let us help you figure out where to begin. We'll break down Medicare into manageable pieces, so you know if you qualify for Medicare coverage, what coverage is available in your area, and how to get enrolled in a plan that fits your needs.

Medicare Prescription drug coverage

Part A - Enrollment

You will be automatically enrolled in Medicare Part A if you elect to receive Social Security or railroad retirement disability benefits at age 65. If you have not elected to receive Social Security, you will need to file an application for Medicare Part A.
Call 855-696-3344 24 hours a day, 7 days a week for more information.

Part B - Enrollment

You should be automatically enrolled in Medicare Part B when you become eligible for Medicare benefits. Part B is optional, can be declined, and requires that a premium be paid on a monthly basis for participation. You may have to apply if:

  1. You have not applied for Social Security or Railroad Retirement benefits, or
  2. You were employed by the government, or
  3. You have kidney disease.
There are late enrollment penalties. Open enrollment for Part B begins three months before the month in which you become 65, and continues for three months after the month in which you turn 65. Except in special cases, if you choose to decline Part B coverage within your open enrollment period, the cost will increase by up to 10% for each full 12-month period that you could have had it, but didn?t sign up. Thereafter, you will have to pay this penalty as long as you have Part B. If you were covered under a group health plan, you can enroll without a penalty up to 8 months after your coverage ends.
Call 855-696-3344 24 hours a day, 7 days a week for more information.

Medicare Advantage - Enrollment

In general, Medicare beneficiaries can enroll or disenroll in a Medicare Advantage plan during Medicare?s annual coordinated enrollment period, November 15 through December 31. While you enroll in Medicare Part A and Part B directly with Medicare, you enroll in Medicare Advantage plans through the individual companies offering the plans or one of their representatives, such as Extend Health. You can only be in one Medicare Advantage plan at a time and, in most cases, you must remain enrolled in the plan for the entire calendar year. If you have both Medicare and full Medicaid benefits, you may switch plans at any time.

Medicare Advantage plans cannot deny an applicant due to age or health (the only exception is individuals with end-stage renal disease). Also, premiums cannot vary by age or health.

To speak with a Benefits Advisor about enrolling in a Medicare Advantage Plan please toll free at 855-696-3344

Medicare Supplement Plans - Enrollment

You must be enrolled in Medicare Parts A and B to be eligible for a Medigap policy. The best time to enroll in a Medigap plan is during the six month enrollment period which begins on the first day of the first month that you have; a) attained age 65 and b) enrollment in Medicare Part B benefits. During this period, private insurers must waive exclusions for pre-existing conditions, and accept all eligible applicants. Also, they cannot make you wait for your coverage to start. If you wait until after this six month period, insurers can determine whether or not they want to sell you a particular plan.

Under federal law, once your open enrollment period ends, Medigap insurers can refuse to offer you a Medigap plan because of your age or health status. They can also accept your enrollment subject to exclusions for pre-existing conditions. It is important to make your decision and enroll within your open enrollment window.

To speak with a Benefits Advisor about enrolling in a Medicare Supplement Plan please toll free at 855-696-3344

Prescription Drug Coverage - Enrollment

Unlike original Medicare Part A or B, enrollment is voluntary, and you will enroll with an individual plan, not the government. However, you must be enrolled in Medicare Part A & B in order to be eligible for prescription drug coverage through a Part D plan.

You can enroll each year during "open enrollment", which lasts from November 15 to December 31 each year. If you are leaving another type of plan that offered what is called "creditable" drug coverage, you can enroll in a Part D plan within 63 days from the date you leave the old plan without a penalty.

You can always change plans under certain circumstances. You can also switch your current plan during open enrollment, which takes place November 15 to December 31 every year. The change will take effect the following January 1.

Enrollment is generally for the calendar year. In certain cases, such as if you move or enter a nursing home, you can switch your plan at other times.

Late Enrollment Penalty - Under current Medicare law, people who do not enroll in Medicare Part D when they are first eligible to do so must pay a penalty for every year they have not participated. The penalty equals 1 percent of the national average Part D plan premium, multiplied by the number of months you delay your enrollment. People who enroll in Part D after the initial enrollment period or who fail to maintain continuous coverage during the period of non-enrollment will also have to pay a similar late enrollment penalty.

To speak with a Benefits Advisor about enrolling in a Prescription Drug Plan please toll free at 855-696-3344