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Before You Turn 65, Here's What You Need to Know About Medicare

Kimberly Fowler
By Kimberly FowlerNovember 13, 2018

Last Updated: November 13, 2018

“Annoying,” “difficult” and “frustrating.” For anyone who has applied to Medicare, these are the typical words that come to mind when describing the application process.

Part of the problem is that there are no easy, one-size-fits-all coverage options. The other part of the problem is that in an underfunded system, everyone’s on their own to navigate through Medicare as best they can.

10 Things to Know About Medicare

So, what can you do to maximize your Medicare coverage while minimizing your expenses and stress?

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Give yourself plenty of time and read these top 10 things to know about Medicare before you turn 65:

1. After you turn 65, Medicare is your primary insurer.

Do you have another form of insurance? Once you turn 65, Medicare is considered your primary insurer. This is true even if you haven’t applied for Medicare yet. It’s also true even if you have retiree health insurance, individual health insurance or COBRA.

This consideration is an important factor to know and understand because it means that you can’t count on your other forms of insurance to pay for your hospital or physician bills once you turn 65. These other insurance companies are considered your secondary insurer.

2. Apply before you turn 65.

Applying for Medicare on your 65th birthday is not ideal. You must apply during the initial enrollment period of three months before your 65th birthday. This enrollment period ends four months after your 65th birthday.

3. Choose your plan wisely.

You can choose either the original Medicare (Part A) or a Medicare Advantage Plan (Part C). You can also opt for the other parts as mentioned above, like adding prescription drug insurance, for example.

What type of Medicare do you want? That really depends on your unique circumstances, so there is no “right” answer here. But, there are some things to consider when choosing between Original Medicare and a Medicare Advantage Plan.

With Original Medicare:

  • You can usually choose to see any doctor (but check with the doctor first as some have dropped out of the original Medicare program) — This is a critical step if it’s important for you to remain with your family doctor
  • You may have more out-of-pocket costs
  • You will have a choice of the drug plans available in your area

With a Medicare Advantage Plan:

  • There are limits to the doctors you can choose to see — If remaining with your family doctor is important to you, then you should check to ensure your doctor will be accessible under this plan
  • You may have fewer out-of-pocket expenses
  • You may have access to extra hearing and vision benefits
  • Drug coverage is included in some, but not all types of Medicare Advantage Plans

4. If you miss enrollment, you’ll have to pay penalties.

If you miss the initial enrollment period, you can still sign up for Medicare during the general enrollment period which runs from January 1-March 31. People who sign up during the general enrollment period will be eligible for coverage the following July.

Late enrollment penalties apply for people who miss their initial enrollment period. Depending on the part of Medicare that you apply for, these penalties can vary from 10% for every 12 months you delay enrollment or 1% per month.

5. Medicare coverage is composed of four main parts.

When you’re researching Medicare, you’ll inevitably come across terms like Part A, Part B, Part D, Medigap, Medicare Supplement, and Medicare Advantage Plans. What do these mean?

Medicare Part A refers to hospital insurance and covers most medically necessary hospital, skilled nursing facility, home health, and hospice care

Medicare Part B refers to medical insurance and covers most medically necessary doctors’ services, preventive care, durable medical equipment, hospital outpatient services, laboratory tests, x-rays, mental health care, and some home health and ambulance services. You pay a monthly premium for this coverage.

Medicare Part C refers to Medicare Advantage Plans. With these plans, private health insurance companies have contracts with the government. Medicare Advantage Plans are not provided directly by the government like Medicare is. Many resources about Medicare often skip Part C when talking about Medicare benefits because it is not a separate benefit like Parts A, B and D.

Part D refers to Medicare’s prescription drug insurance. Part D is never provided directly by the government and is a separate, optional plan to help cover cost of medication.

6. On Social Security? You may automatically be enrolled in Medicare.

If you’re on social security (which you can begin at age 62), then you should be automatically enrolled in Medicare Part A and/or Part B when you turn 65.

Of course, if you think you’ll be automatically enrolled in Medicare, it doesn’t hurt to double check that assumption well in advance of your initial enrollment period.

7. Record details about Medicare information.

If a government official gives you incorrect information that causes you to miss your initial enrollment period, then you may not have to pay the entire penalty. However, you have to be able to prove that the government official gave you incorrect information.

Remember to take details about who you spoke to, the date and time, what they said, their contact information and any other pertinent information. You should do this every time you speak with someone in the government about Medicare.

For additional information about Medicare, you can contact:

  1. Medicare at 1-800-MEDICARE (1-800-633-4227) or access their website.
  2. The “Medicare & You” handbook.
  3. The Medicare Plan Finder.
  4. The Medigap Plan Finder.
  5. The Medicare Rights Center hotline 1-800-333-4114.
  6. United Medicare Advisors to help you enroll and compare Medigap plan rates
  7. Your local State Health Insurance Assistance Program (SHIP).

8. Start the application process early.

Applying for Medicare is a complicated and lengthy process. How much time should you give yourself to apply? You should start your research when you turn 64.

9. You can’t enroll in Medicare as a family.

Medicare is an individual benefit and each member of your family needs to apply for Medicare separately. There are no family Medicare plans.

10. You can supplement Medicare with a “Medigap Policy.”

If you can afford it, it is possible to supplement Medicare with a Medicare Supplement Plan, or “Medigap” Policy. These plans will help cover expenses like:

  • Coinsurance (the portion of the money you pay after your insurance has paid your benefit)
  • Co-payments (the money you pay each time you seek care)
  • Deductibles (money you pay before your insurance benefits kick in)

What else do you want to know about Medicare? What has the Medicare application process been like for you? We’d like to hear your experiences in the comments below.

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Kimberly Fowler
Kimberly Fowler
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