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BE IN THE KNOW

Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).

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WHAT IS PART A/B?

Part A (Hospital Insurance): Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. 

Part B (Medical Insurance): Helps cover:

  • Services from doctors and other health care providers

  • Outpatient care

  • Home health care

  • Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

  • Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

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WHAT DO I NEED TO DO?

Most people get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) when first eligible (usually when turning 65). You will also need to enroll into Part D (Rx coverage).

There are situations where you may not enroll in Part B/D upon turning 65.

It's important to talk to an AHIP certified Medicare representative to find out what you specifically need to do to avoid possible penalties & fines.

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Find out now

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How much will this cost?

Typically, Medicare Beneficiaries are delightfully surprised to find out that their healthcare costs are going to go down drastically. in 2022, most beneficiaries will pay $170.20 for their Medicare Part B. 

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You can choose to purchase a Medigap plan which covers portions of your out of pocket costs when admitted to a hospital or seeing a doctor. Medigap plans have an age & health rating and can change year over year and require you to sign up for a part D (Rx plan).

Medigap Plans Explained

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Another route beneficiaries take, is enrollment into an Advantage plan (often called part C). Advantage plans start at $0 per month and include low to no copay with added benefits like Dental, Vision, Hearing, Naturopathy, Chiropractic, Etc. - Many advantage plans include part D (Rx coverage) as well. 

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Advantage Plans Explained

ABC'S: Features
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