More than 62 million Americans currently use Medicare to help cover their medical expenses. This government-funded program offers a reliable and affordable way for seniors and those with permanent disabilities to obtain health insurance. However, between all the different plan choices, strict eligibility requirements, and confusing lingo, signing up can be a challenging experience. The following tips will make the enrollment process easier and help ensure you’re getting the most from your benefits.
How to Successfully Sign Up for Medicare
1. Learn When Your Enrollment Period Is
When enrolling in Medicare for the first time, there’s a certain timeframe within which you can sign up. It’s important to be aware of this timeline to avoid a gap in coverage, as well as a late enrollment penalty fee. Most people are eligible to enroll three months before turning 65 years old, during their birthday month, and three months after.
You can also sign up during the Medicare General Enrollment Period, which runs from January 1 – March 31 every year, or during a Special Enrollment Period if you qualify, such as after your employer coverage ends.
2. Research Coverage Options
There are two main ways to get Medicare coverage. You can enroll in Original Medicare (Part A and Part B), which covers doctor and hospital visits, or join a Medicare Advantage plan (Part C). These plans are available through private health insurance companies, and they provide the same coverage as Parts A and B but may also cover vision, dental, hearing, and prescription medications.
Medicare Supplement insurance and standalone prescription drug plans (Part D) are available, as well, to help enhance Original Medicare coverage. You should explore all these options before enrolling to make sure you choose the best coverage for your situation.
3. Don’t Hesitate to Ask Questions
There are trained and experienced insurance agents who know the ins and outs of Medicare and can walk you through the enrollment process. Consider working with a professional, and be certain to ask questions about anything you might need clarification on. With such stringent rules on signing up for coverage, you want to ensure every step is done correctly. They can explain the various types of plans, help fill out your paperwork, and keep you familiar with any new policies that are put into place.
If you’re ready to enroll in Medicare, turn to Harris Insurance Agency in Centerville, OH, for guidance. Their knowledgeable agents give each client the personalized attention they deserve and will help ensure you’re set up with the right plan for your specific needs. This family-owned company has been entrusted to provide countless residents throughout Montgomery County with high-quality health insurance solutions. Call (937) 387-6672 to schedule an appointment, or visit their Facebook page for more information on the services they offer.
