Resources

Understanding Medicare

Medicare is part of the Social Security system designed to provide healthcare to people age 65 and older, to people under the age of 65 who have been on Social Security disability for at least 2 years, or have been diagnosed with end stage renal disease. Medicare was designed to cover the majority of recipients’ healthcare costs but still leaves them exposed to deductibles, coinsurance, co-pays, and excess charges. These out-of-pocket expenses are often referred to as “gaps in coverage.”

The Turning-65 Checklist:

Seven to nine months before your 65th birthday:

  • Confirm your eligibility for Medicare benefits. Contact the Social Security Administration at (800) 772-1213.
  • Review your current health insurance coverage. Find out what happens after you turn 65.
  • Get answers. Call (816) 792-9850 to speak with us and find out what Medicare covers.

Four to six months before your 65th birthday:

  • Review your Medicare Supplement insurance plan options. Or call (816) 792-9850 to discuss the available plans.
  • Call your doctors. Make sure they accept Medicare.

One to three months before your 65th birthday:

  • Enroll in Medicare Parts A and B. If you do not receive your automatic enrollment information in the mail, contact the Social Security Administration at (800) 772-1213.
  • Enroll in a Medicare Supplement insurance plan. Call us at (816) 792-9850 if you have any questions.
  • Enroll in a Medicare Part D prescription drug plan. Call us at (816) 792-9850 if you have any questions.

 

The Four Parts of Medicare:

Medicare Part A

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Medicare Part B

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Medicare Part C

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Medicare Part D

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Medigap

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Medicare Deductibles