Getting started with Medicare
First step, enroll in Medicare A & B:
Turning 65? This is your Initial Enrollment Period. Your Initial Enrollment Period usually begins 3 months before the month you turn 65, includes the month you turn 65 and ends 3 months after the month you turn 65.
Typically, your Medicare A & B effective date will be the 1st of the month in which you turn 65. ie. 5/22 birthday would be a 5/1 effective date
You can enroll in Medicare Part A & B in the following ways:
Link to Centers for Medicare and Medicare Services - click
What is Medicare A & B?
Medicare Part A - Hospital insurance covers inpatient hospital stays, skilled nursing
facility, hospice, and home health care. Medicare Part B - Medical insurance covers doctor visits, outpatient care, medical supplies and preventive
Does Medicare A & B cover everything? No, out of pocket costs include deductibles and coinsurance. Once you are enrolled in Medicare A & B, you can enroll in a Medicare supplement plan also known as a Medigap plan along with Part D prescription coverage (or) Medicare health plan.
Both Medicare supplements, Medicare health plans and Part D prescription plans are offered by private insurance companies approved by Medicare. With either choice, you continue to pay a monthly Part B premium to Medicare which is handled thru the Social Security office.
Christopher S. Kudryk
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