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All About Medicare

How do Medicare and Medicaid Work?

How do I apply?

*You can apply for retirement benefits online as well!

By Mail

Click below to request the form. We can help you get the correct form  with the situation that applies to you.

In-person

Looking for a local office? Locate an office near you with the link below.

Online

Today, you can apply for retirement, disability, and Medicare benefits online - from anywhere and from any of your devices!

When do I apply without penalty?

  • Three months before your 65th birthday

  • The month of your 65th birthday

  • Three months after your 65th birthday*

*If you apply after your birthday you're not guaranteed coverage the following month.

Architectural Structure

Four Parts of Medicare

Together, Parts A and B make up Original Medicare (provided by the Federal Government)

A

Part A
Hospital Insurance

  • Covers inpatient care in hospitals and rehabilitation facilities, skilled nursing facilities and home health care

  • Most people won't pay a premium for Part A

C

Part C
Medicare Advantage Plan

  • Covers Medicare Parts A and B, and often Part D, plus it may offer other benefits

  • You may pay a monthly premium to a private plan, and you continue to pay a premium to the federal government for Part B

  • Caps your out-of-pocket spending to protect your finances

  • Some plans require you to see network doctors or specialists - not all plans.

  • Part C plans offer additional coverage such as dental, vision, and, hearing benefits.

B

Part B
Medical Insurance

  • Covers doctors' services, hospital outpatient care, ambulance services, home health care and, preventive services

  • You Pay Part B premiums based on your income. The government will notify you, and it's taken from your Social Security check. 

D

Part D
Medicare Prescription Drug Plan

  • Only covers prescription drugs

  • You may pay a monthly premium to a private plan

  • A Part D plan can be purchased separately to go with Orginal Medicare 

  • Often included in a Medicare Advantage Plan

  • Provides prescription coverage for your medications. Involving monthly premiums, deductibles, and co-payments.

  • 4 Stages to All Drug Plans: Deductible, Initial Coverage Stage, Gap Coverage (donut hole), Catastrophic Coverage

Options for Medicare

  • Advantage Plans

    • Often referred to as a "C" plan covering hospitals, doctors, and prescription drugs and often includes dental, vision, and hearing benefits as well

    • HMO or PPO plans HMO’s require you to see network doctors, PPO’s do not require network doctors, and you can see any doctor who accepts Medicare in the USA

  • Supplement Plans

    • You need to purchase a standalone drug plan

    • G & N plans work with Original Medicare - very limited co-payments

    • F plan is only available if you are grandfathered in. This would happen if you turned 65 before 12/31/2019

2024 Medicare Costs

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