Medicare Parts
Medicare Parts
Medicare gives you the ability to choose at least one of the following coverage types:
- Medicare Part A – Provides inpatient hospital coverage.
- Medicare Part B – Provides outpatient medical coverage (Part A and B combined create Original Medicare).
- Medicare Part C – Also called Medicare Advantage; combines Part A and B coverage and may provide prescription drug coverage.
- Medicare Part D – Provides prescription drug coverage.
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New to Medicare
Trial Right #1:
If you’re new to Medicare at age 65 Medicare will let you “Test Drive” a Medicare Advantage Plan for 1 year. Change your mind and want a Medigap Plan? That’s ok because you can switch directions and go back to Original Medicare and also join a supplement plan without having to answer health questions.
Trial Left #2:
You start out on the left side with Original Medicare and Medigap Plan. Change your mind years later? That’s ok because you can drop the Medigap and test drive a Medicare Advantage Plan and if you change your mind then you can change directions again and re-join your Medigap Plan.
When Can I Sign Up For Medicare?
You can join Medicare during these enrollment periods:
- Initial Enrollment – This period starts three months before your 65th birthday month; it will then end three months after
- General Enrolment – Begins January 1 and ends March 31; enrolling in this period may mean you’ll have to pay a late enrollment penalty
- Special Enrollment – You can qualify to enroll during this period due to facing special circumstances, such as moving and losing your current coverage, resulting in you needing new coverage
- Annual Election – Begins October 15 and ends December 7; while you cannot join Medicare for the first time during this period, you can switch from one policy to another. You can also switch from Part A and B to Medicare Advantage.
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