If you are new to Medicare, you can follow these easy steps to help to prepare for your Medicare enrollment.
Determine Your Eligibility The first step you need to take for Medicare enrollment is to find out if you are eligible. You should meet the eligibility requirements if you can answer yes to one of the following questions:
Are you age 65 or older?
Are you under 65 with certain disabilities?
Do you have End-Stage Renal Disease (kidney failure that requires transplant or dialysis)?
If you already receive Social Security Benefits, you will automatically be enrolled in Medicare Part A and B the month you turn 65. Three months prior to your birth date you should be receiving your Medicare card in the mail. If you want to opt out of Part B coverage, you will need to follow the instructions with your Medicare card. If you not receive Social Security Benefits, you will not be automatically enrolled. You need to apply at the beginning of your seven-month initial enrollment period (90 days prior to your 65th birthday) to make sure your coverage start date will not be delayed. At this time you have also the option to apply for Social Security Benefits.
Get Information Once you have determined that you are eligible for Medicare, you should gather all of your personal documentation and information on your current health care and/or prescription drug coverage in order to find out if your current coverage will work with Medicare. Make a list of the drugs you currently use, your desired coverage, the maximum premium you can afford so you can compare and select the coverage that will best meet your future needs.
Select A Medicare Plan Learn how Medicare works, and familiarize yourself with each Medicare Plan (Part A, Part B, Part C, and Part D). Carefully consider each plan with your current and possible future personal needs in mind. Enroll in the Medicare program that best suits your needs.
Determine If You Qualify for Additional Programs Unfortunately, Medicare does not cover all medical costs such as co-insurance, co-payments, deductibles, or services not covered by a Medicare plan. The good news is that there are several other programs like Medicaid, Medigap, etc. which provide additional coverage. Research, and find out whether you are eligible. If you are, apply to them in order to maximize your coverage and reduce your health care worries.