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Your Medicare Starter Kit
The milestone of your 65th birthday may be here or just over the horizon. But you know zip about Medicare. Do you need it? What does it cover? When should you sign up? Lots of questions, but don't panic. You can get your head around Medicare with no cost help.
Here are 8 Do's and Don'ts for Medicare.
1. Do give yourself time to learn about Medicare. It is a system with many choices and deadlines. 2. Don't expect to be notified when its time to sign up. Unless you're already receiving Social Security benefits, you must apply for Medicare but you won't get any official notice on when or how to enroll.3. Do enroll when you're supposed to. To avoid permanent late penalties, enroll at age 65 if you're not working, don't have employer insurance or live abroad. Medicare will become effective the first of the month you turn 65.4. Don't despair, if you haven't worked long enough to qualify. You may qualify for Medicare on your current or former spouse's work record or you may be able to buy in to the program.5. Don't worry that poor health will affect your coverage. If you qualify for Medicare, you receive full benefits regardless of health history.6. Do remember Medicare is not free. You pay premiums for Part B Medicare. You will also have some copays for many services and a large hospital deductible.7. Don't assume that Medicare covers everything. It covers a wide range of health services, but there are a lot of gaps.8. Don't expect Medicare to cover your dependents. Nobody can get Medicare under age 65, except those who qualify through disability. Medicare has no family coverage.
DO YOU NEED A SUPPLEMENT AND OF SO WHICH KIND?
There are two basic Medicare Supplements to consider. A Medicare Supplement and a MedAdvantage. There is a great deal of difference in these plans and we can review and explain which may fit your needs the best. For more details and a confidential interview to see if you qualify, just contact our office or complete the contact form located on this website.
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