Education Center
Medicare & You
The Different Parts of Medicare

Learn about the basics of Medicare Parts A, B, C & D. What do the parts of Medicare cover? When do you need to enroll?

Medicare Part A

Part A is hospital coverage. It covers care you receive while an inpatient in a hospital or skilled nursing facility.

Medicare Part B

Part B is medical coverage. It covers doctor visits, clinic services and care you receive as an outpatient.

Medicare Part C

Part C is Medicare Advantage. These plans combine the coverage of Parts A and B into one plan. They often include prescription drug coverage, too.

Medicare Part D

Part D is prescription drug coverage. Plans cover many medications that are prescribed by your doctor or other qualified health professionals.

Understanding Your Medicare Choices

Learn about the different ways you can get Medicare coverage.

Understanding When you Can Enroll

Whether you’re new to Medicare, getting ready to turn 65, or preparing to retire, you’ll need to make several important decisions about your health coverage. If you wait to enroll, you may have to pay a penalty, and you may have a gap in coverage.

 

Use these steps from medicare.gov to gather information so you can make informed decisions about your Medicare.

 

Annual Enrollment Period (AEP):  October 15th-December 7th of each year

 

During the AEP you have the right to review you Medicare plan options and make changes to your plan.

 

What changes can you make during the AEP?

Here’s a quick rundown of what you can do during the Annual Enrollment Period:

  • Change to a Medicare Advantage plan from Original Medicare, Part A and Part B.
  • Change from a Medicare Advantage plan to Original Medicare, Part A and Part B.
  • Change from one Medicare Advantage plan to another (regardless of whether either plan offers drug coverage).
  • Enroll in a Part D prescription drug plan.
  • Change from one Medicare prescription drug plan to another.
  • Opt out of Medicare prescription drug coverage completely.

Changes you make during the AEP go into effect January 1 of the next year.

Changing your plan after AEP:

From January 1-March 31 of each year is called the Annual Open Enrollment Period (OEP). During this time you have the right to make a one time change to your Medicare Advantage and/or Part D prescription drug plan. Your new plan will start the first of the follow month that you complete an enrollment application.

Disability/End Stage Renal Disease/Kidney Transplant Eligibility & Enrollment

You’ve just been diagnosed with a disability and may qualify for Medicare. Now what? The type of disability has everything to do with when your coverage begins, and whether you are automatically enrolled or if you need to take steps to start the enrollment process.

Affordable Care Act
Understanding how the Affordable Care Act Works!

The Affordable Care Act (ACA or “Obamacare”) was signed into law by President Barack Obama in 2010. A major overhaul of the U.S. health-care system, Obamacare aims to reduce the amount of uncompensated care the average U.S. family pays for by requiring everyone to have health insurance or pay a tax penalty.

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