Mary Alexander: Hi! I'm Mary Alexander from Home Instead Senior Care and today I'm talking about Medicare Eligibility and Enrollment. Medicare is Health Insurance for people living in the United States who are 65 or older, younger than 65 with certain disabilities or someone of any age with permanent kidney failure, requiring dialysis or kidney transplants.
Medicare coverage is separated into four Parts,-A, B, C and D. Most people don't have to pay a premium for Medicare Part A Hospital Insurance, because you paid Medicare taxes when you worked. For others who meet certain age, citizenship, residency and or disability requirements you may be able to purchase Part A, usually in combination with Medicare Part B. If you select Part B Medical Insurance, you pay a premium each month. For Medicare Part C also called Medicare Advantage, you pay and Medicare Part B premium, plus an additional monthly premium to cover the cost for extra services, such as vision, hearing, dental, and/or Health and Wellness Programs offered by your plan. You can only join these plans at certain times of the year and coverage usually last for a year.
You can also join these plans if you've a pre-existing condition. Part C also covers all of the services under Medicare Part A. Medicare Part D is for Prescription Drug Coverage, it is available as an extra cost added onto Part C or as a separate purchase to go with your Part A and or Part B coverage. When you first become age eligible for Medicare that is 65 years old, you've seven months to sign up for Medicare Part A and Part B. This seven month period includes three months before and three months after your birth month. For example, if you were born in April you can sign up from January through July of the year you turn 65, if you don't sign up when you are first eligible, you may sign up during the General Enrollment Period, which is January 1st through March 31st of each year. It is important to note, if you don't sign up for Medicare Part B when you are first eligible, you may have to pay a late enrollment penalty.
There are some special enrollment periods available for certain groups your best bet is to go to medicare.
gov and click on the eligibility and enrollment calculator to get answers based on your specific situation. Your Medicare Coverage usually begins on the first day of your birthday month, if you signed up for Medicare Part A and on Medicare Part B during the first three months of your initial enrollment period. For example, if your 65th birth date is July 20th and use sign up for Medicare in April, May or June; your coverage will start on July 1st. You don't want to miss out on coverage, so be sure to enroll as soon as your senior loved one becomes eligible Enroll at Medicare.
gov, or Call 1-800-772-1213 to make an appointment.