Medicare Advantage plans (also called Medicare Part C) provide the same coverage as Medicare Part A and Part B, and many also offer additional benefits at no extra cost.
When can I enroll in a Medicare Advantage Plan?
1. During the Annual Election Period(AEP), October 15th to December 7th of each year Medicare beneficiaries can switch, add, or drop an MAPD plan or Part D plan. The change will take effect January 1st of the following year.
2. During the Open Enrollment Period(OEP), from January 1st to March 31st, Medicare beneficiaries currently enrolled in a Medicare Advantage plan can either switch to a different Medicare Advantage plan or go back to original Medicare, and if needed, also join a Medicare Prescription drug plan.
3. When someone is first eligible for Medicare or turning 65 they qualify for an Initial Election Period(IEP) and can enroll in a Medicare Advantage plan or prescription drug plan. This is a 7 month period of time that begins 3 months before their birthday month and ends 3 months after their birthday month.
4. A Special Election Period(SEP) is available to those when certain events happen such as moving out of the plans service area, losing other coverage, or qualifying for Medicaid or extra help on prescription drugs.
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Frequently Asked Questions:
Why are some Medicare Advantage plans $0 premium?
Some Medicare Advantage plans have a monthly premium, but most people choose a $0 premium plan. Among those who do pay a premium, the average cost is $25 a month. Most plans include part D coverage, dental, and vision benefits at no additional cost.
You usually pay a flat copayment for health care with Medicare Advantage plans. A typical PPO plan might charge $0 for primary care visits, $40 for specialist care, and $90 for emergency room visits.
How can I sign up for Medicare?
If you already get Social Security benefits, Medicare will automatically enroll you in Medicare Hospital Insurance (Part A) and Medical Insurance (Part B). Medicare will mail you all the information you need a few months before you become eligible.
Note: Residents of Puerto Rico or foreign countries won’t automatically receive Part B. They must elect this benefit.
If you don’t get Social Security benefits and are not ready to apply for them yet, you should sign up for Medicare three months before your 65th birthday.
The easiest way to apply for Medicare is by using our online application.
If you don’t wish to apply online, make an appointment by calling us at 1-800-772-1213 (TTY 1-800-325-0778), 8:00 am – 7:00 pm, Monday through Friday.
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Currently we represent 8 organizations which offer 41 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program for help with plan choices. Not affiliated with the U. S. government or federal Medicare program.