Individuals age 65+ and Social Security disabled under 65

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• Individuals can apply for Medicare several different ways:
  • Call Social Security at 1-800-772-1213
  • Sign up online at www.ssa.gov/medicare/sign-up
  • In person at local Social Security office
• Information needed to apply for Medicare:
  • Social Security number
  • Where you were born (city, state, country)
  • Start and end dates for any current group health plan coverage
  • Start and end dates for any group health plan coverage after age 65

• For Part B only:
  • Valid email address
  • Your existing Medicare number

• Penalties may apply if you delay your Medicare enrollment without having acceptable (creditable) coverage

What does Medicare pay for?:

• Part A pays for inpatient expenses subject to per day copays with NO annual out of pocket maximum
• Part B pays 80% for doctor expenses with NO out of pocket maximum
• Part D pays for part of your prescription expenses

Two Private insurance options to reduce Medicare out of pocket exposure:

• Medicare Supplement – 
  • You keep your Original Medicare plans and Medicare Supplement fills the “gaps” in eligible Medicare expenses where Medicare doesn’t pay. 
  • There are different Medicare Supplement policies that cover different levels of Medicare Part A and B expenses

• Medicare Advantage - 
  • Private insurance takes over for your government Medicare Part A, Part B and possibly Part D. 
  • Medicare Advantage will cover at least what Medicare would have paid and may cover more Medical expense as well.

• Is a Medicare Supplement or a Medicare Advantage plan best for you? That is an individual question that is best answered after discussing an individual's specific circumstances