Getting Started With Medicare
Who can enroll in Medicare?
People who are 65 years of age or older
People who are under 65 years of age and have been receiving Social Security Disability Insurance (SSDI) for at least 24 months
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant)
People with amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease
When can you enroll in Medicare?
You can enroll in Medicare during the Initial Enrollment Period (IEP), which is a 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
If you miss your IEP, you may still be able to enroll in Medicare during a Special Enrollment Period (SEP). SEPs are available for a variety of reasons, such as moving, losing other health insurance, or going into a nursing home.
You can also enroll in Medicare during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. This is a good time to make changes to your Medicare coverage, such as switching to a different Part D drug plan or adding a Part C Medicare Advantage plan.
It's important to note that while Medicare provides coverage for many healthcare services, it does not cover everything. There may be out-of-pocket costs associated with each part of Medicare, such as deductibles, coinsurance, and copayments.
Medicare is a complex program, so it is important to get help understanding your options and enrolling in the coverage that is right for you.
With 10 years of industry experience, my role is to help clients navigate the complexities of Medicare and choose the right coverage for their unique healthcare needs and budget.
Medicare is a complex program, so it is important to get help understanding your options and enrolling in the coverage that is right for you.
With 10 years of industry experience, my role is to help clients navigate the complexities of Medicare and choose the right coverage for their unique healthcare needs and budget.
Reference
Every year the Center for Medicare & Medicaid Services (CMS) sends a publication to Medicare beneficiaries titled Medicare & You. This booklet contains the most up-to-date information regarding Medicare for that year. I frequently refer to it and that is where some of the information here was obtained. This book is state specific. In the back, is basic information about the different Medicare Advantage and Part D drug plans available in Wisconsin. Another valuable resource is to visit the Medicare website at www.medicare.gov
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