Medicare Part A & B
Original Medicare has two parts: Medicare Part A and Medicare Part B .
Part A and Part B provide hospital and medical coverage for individuals 65 years of age and older.
Medicare customers can see any doctor in the country that accepts Medicare.
You have a seven-month window when you turn 65 called your Initial Enrollment Period (IEP) to enroll in Original Medicare — the month of your birthday plus three months before and after your birthday month. If you miss your IEP, you’ll need to wait for the Annual Enrollment Period.
Medicare Advantage (Part C)
Medicare Advantage (Part C) represents a type of private health insurance that strictly adheres to the guidelines set by Medicare. This comprehensive plan combines the coverage provided by both Part A and B, while also offering additional health and wellness benefits, often incorporating a Part D prescription drug plan.
Medicare Part D
Medicare Part D is a prescription drug insurance program overseen by private insurance companies under federal regulations. Put simply, it functions as insurance for your prescription medication requirements. You have the choice to enroll in a standalone Part D plan to supplement your Part A and Part B benefits. Alternatively, you can select a Medicare Advantage (Part C) plan, which consolidates Parts A, B, and D.
To obtain a Part D plan, you can procure it from a private insurance company. This plan provides access to the company’s pharmacy network, and you will usually make co-payments for your prescriptions.
Enrolling in Medicare for the First Time
It’s referred to as your Initial Enrollment Period, covering the month of your 65th birthday, the three months before, and the three months after your birthday month. If your birthday falls on the first of the month, the period extends to the month of your 65th birthday, the four months before, and the two months after your birthday month.
Understanding that life events can affect timing, both you and Medicare are aware. In case you miss the opportunity to enroll during your Initial Enrollment Period, there’s a General Enrollment Period from January 1 to March 31, allowing for enrollment with coverage starting on July 1.
At Call Your Medicare Now, we specialize in helping individuals nationwide to navigate the many options available for enrolling in Medicare Advantage plans. Our mission is to provide a smooth, stress-free experience, guiding you through the process conveniently over the phone. Partnering with top-rated insurance providers, we ensure you’re matched with the plan that best fits your unique needs and lifestyle. Best of all, our expert services come at no cost to you!
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