On Your Mark, Get Set, Enroll! - More Helpful Tips Before Entering Medicare Eligibility Age
Let’s dive right in and continue with some helpful tips to prepare for enrollment before turning 65 and reaching Medicare eligibility age.
Here are some pre-enrollment tips to improve your experience.
Get Ready ➠
Step 2 – Prepare for enrollment
Two months before your 65th birthday or as soon as you get your Medicare ID Card
☝️ TIP- If you need a replacement Medicare Card (lost or damaged), you can:
Create or log in to your secure Medicare account at https://www.medicare.gov/
You can print or order an official copy of your Medicare Card OR
You can call 1-800-633-4227 to request a copy
Get Set ➠
Step 3 - Prepare important information
Gather the full names and addresses of your medical providers with whom you want to continue your care. This information allows your agent to confirm that your providers accept the plans you are considering.
List the name and dose of any prescription drugs you take. This enables your agent to check plan formularies to ensure the prescribed medications are covered under part D Prescription Drugs.
NOTE: Why does your zip code matter for Medicare?
Because Medicare Advantage Plans are provided by private insurance companies, the Provider Network will vary according to region. This is where your zip code matters in terms of Medicare eligibility.
★ Think about the benefits that are most important to you:
For example, you are in good health and generally see your doctor for wellness exams but would like to find a plan with robust dental and vision coverage.
Or/plus
You mainly use over-the-counter medicines that you buy from your pharmacy but there getting increasingly expensive – look for a plan with a robust OTC allotment to lower your costs.
★ Or maybe you have a moderate to severe health condition for which you need specific care or medications.
Beginning with a brief explanation of the difference between the Original Medicare and Medicare Advantage Plan, your Broker/Agent’s job is to guide you through your choices and provide the information and answers you need.
Here is a Brief Overview:
ORIGINAL MEDICARE |
MEDICARE ADVANTAGE |
|---|---|
| You can consult any doctor/hospital | HMO: you can only consult network providers PPO: you can consult network and out-of-network providers; higher co-pays for out-of-network |
| You do not need referral from primary care doctor | HMO: you need referral from primary care docotr PPO: ***prior approval varies by plan |
| Covers 80% of Part A and Part B | Covers 100% Part A and Part B |
| Does not cover drugs | Most plans include drug coverage |
| You will pay: Monthly premium, additional premiums for Part D (drugs) and for 20% |
You will pay: ***varies by plan - may include monthly premiums and visit co-pays |
Get Enrolled ➠
You’re ready to start the plan review process!
