Medicare Solutions
Where to start?
The first step in Medicare is to understand your Initial Enrollment Period, or IEP, during which you will be eligible to enroll in Original Medicare and/or a supplementary benefits plan around the time you turn 65.
Original Medicare refers to Medicare Part A and Part B and is offered by the federal government.
Medicare Part A
Hospital stays and inpatient care are covered by Medicare Part A.
Medicare Part B
Part B of Medicare covers medical visits and outpatient care.
Secondary Benefits
Option 1
Add one or both of the following to original Medicare.
Private Companies Provide Medicare Supplemental Insurance. This benefit reimburses additional out-of-pocket expenses not covered by Original Medicare.
Private companies offer Medicare Part D plans. Aids in the payment of prescription medications.
Option 2
Medicare Advantage Plan Offered by Private Companies
Part C merges Parts A and B into a single plan (hospital+medical) that may include benefits not available under Original Medicare.
Prescription medicine coverage is usually included.
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Medical Solutions FAQ's
The initial enrolment period (IEP) is the month of your 65th birthday, plus three months before and after it. For example, if your birthday is June 15th, your IEP will run from March 1st to September 30th.
If your birthday falls on the first of the month, your IEP will start and end one month earlier. For example, if your birthday is June 1st, your enrollment will start on February 1st and end on August 31st.
You can change your coverage after you’ve been enrolled during the Medicare Open Enrollment period, which runs from October 15 to December 7. You can work with the original agent who helped you sign up to make any changes.
Regardless of your job situation, you will still have an Initial Enrollment Period when you turn 65. If you opt to keep your group insurance, Medicare will work with it.
Yes, you can join Medicare before you turn 65 in two situations. The first is if you have been covered by disability insurance for more than 24 months. The second is if you have been collecting Social Security for more than 40 months.