TURNING 65?

Read this important information

Turning 65?

If you’re at least 65 years old, or you’re under 65 and qualify on the basis of a disability or other special situation, and if you are a U.S.citizen or legal resident who has lived in the U.S. for at least five consecutive years, you are eligible for Original Medicare (Parts A & B).

Initial Enrollment Period:

The initial enrollment period begins 3 months before and ends 3 months after the month of your 65th birthday (a seven month window). If you have employer or plan-sponsored coverage when you first become eligible, you won’t need to enroll until you retire or otherwise lose that coverage. Prescription drug (Part D) coverage must be creditable or you may be subject to a late-enrollment penalty when you enroll in a plan with Part D benefits.

Open Enrollment:

The open enrollment period is from October 15 – December 7. During open enrollment you can add or switch your medicare plan coverage. You might also see this called the Annual Enrollment Period.

Special Election Enrollment:

Some individuals may also qualify for a Special Election Period. Depending on certain circumstances, you may be able to enroll in a Medicare plan of the Initial Enrollment Period or Open Enrollment time frames. You may qualify for a Special Election Period if you:

Retire and lose your employer coverage.
Move out of the plan’s service area.
Receive assistance from the state.
Have been diagnosed with certain qualifying disabilities or chronic health conditions.

Special Needs Plans have other eligibility requirements.