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Medicare FAQ 

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Most common questions about Medicare?

One of the most important things you can do before enrolling in Medicare is research the program, which you can do on Social Security’s website and through other online resources. The following are answers to some of the most common questions people have about Medicare. choose your medicare plans today. If you don’t see your question listed, call 1-800-MEDICARE (1-800-633-4227) to speak with someone who can answer your questions.

If you do not sign up for Medicare during your Initial Enrollment Period, you may have to wait until the General Enrollment Period that begins in January. Exceptions, or “Special Enrollment Periods,” may be granted if you've lost your employer group insurance coverage.

Can recent immigrants to the United States get health coverage if they're over 65?

How Do I Enroll?

Enrollment for Part A (hospital insurance) is automatic if you’re eligible and not enrolled in another government-sponsored health insurance program, such as Tricare or state high-risk pools. To enroll in Part B (medical insurance), you must complete an application. If you’re under 65, your benefits start July 1 of that year; if you’re over 65, your coverage begins January 1 of that year.

Generally, Medicare eligibility is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance).

What is the Annual Fee?

To keep your Part B benefits in force, you must pay an annual fee. The amount you’ll pay each year depends on your income. If you are receiving Social Security retirement or disability benefits, you won’t have to pay a Part B premium. There is no monthly premium for people who have been on disability for at least 24 months and had been getting these payments before they turned 65.

Do I need to enroll in Parts A & B at the same time?

Yes, for some people it’s in their best interest to enroll in both parts of Medicare at once. If you already have a current health plan through your employer or union, you need to drop that coverage before you can sign up for Part B.

Can my spouse still get original Medicare coverage if I am on a Medigap policy from another company?

Yes, there’s one more thing to consider: Medicare isn’t just one program. In fact, it’s four: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). If you qualify for more than one—say, if you have both Medicare and Medicaid—it can get a little confusing.

If you wait until the open enrollment period passes, it may cost more to buy a Medicare supplement insurance plan in the future, or you could be denied based on current or past health issues.

Is there anything else I should know about this new program?

Many people who were covered by Medicaid or CHIP (Children’s Health Insurance Program) may also be eligible for free or low-cost coverage through Medicare. As such, it’s important to know if you qualify for any type of assistance with your insurance. Remember, having health insurance is mandatory in America; those without it could face significant fines from both their state and federal governments.

More About The Federal Medicare Program?

Medicare Advantage plans are administered by private insurance companies that contract with the federal Medicare program. Medicare Advantage Plan are another way to get your Medicare Part A and Part B coverage.

If you are not yet receiving Social Security or Railroad Retirement Board benefits, you will have to enroll manually.

Prescription Coverage

Original Medicare doesn't cover most prescription drugs you purchase at a pharmacy. Private insurance companies sell Medicare Part D drug coverage that you can add to Original Medicare.

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medicare costs Generally, you pay a monthly premium for Medicare coverage and part of the costs each time you get a covered service. There’s no yearly limit on what you pay out-of-pocket, unless you have supplemental coverage, like a Medicare Supplement Insurance (Medigap) policy, or you join a Medicare Advantage Plan

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Tyler Hedland - Medicare Expert
https://centurymedicare.com/

Tyler Hedland is a Medicare expert for Century Medicare and the founder, CEO, and expert at Century Medicare. For over 10 years people have been viewing Tyler as a leader and it has been growing ever since. Tyler's leadership has made Century Medicare one of the fastest-growing websites out there.

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