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How and When to Enroll in Medicare



The enrollment for Medicare starts right before you turn 65. So, if it's three months before your birthday or in the window of seven months after you've turned 65, you are in "open enrollment." You could experience penalties if you delay your enrollment. To be eligible for enrollment, you must be a US citizen and legal resident for at least five continuous years.

More than 24% of Maine residents (332,242 people) are enrolled in Maine Medicare. Compared to Maine, 21% of residents in New Hampshire (293,000 people) are enrolled in . It's also important to understand what is covered in Parts A, B, C, and D.

What is covered by Parts A, B, C, & D of Medicare?

Medicare Parts A and B are the plans that fall under Original Medicare. Part A coverage is for hospitalization, lab tests, surgery, home health care, etc. Park B coverage is for outpatient care, home health, diagnostic screenings, equipment, and services that are medically necessary. You'll automatically receive the card and benefits if you're eligible.

An estimated 31% of Maine residents who sign up for Medicare select Medicare Advantage Plans Maine, also known as Part C. The number of options will vary depending on the county, with a maximum of 310 plans in Maine. To give you some perspective, there are 2,317 Medicare Advantage plans nationwide, but most US residents who are enrolled in Medicare had 21 Medicare Advantage plan options in 2018. With the Part C plan, private insurers are required to cover all the medically necessary and critical care options from Parts A and B, with hospice care still covered by Part A.

With Part C, you still sign up for Part A and B, and you still pay the premium for Part B. Then you sign up for a private insurer for the Medicare Advantage plan, which can cover dental and vision, as well as prescription drug coverage. Since each plan offers different benefits, it's important to carefully review and understand what is covered by the Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). Approximately 17% of New Hampshire residents are enrolled in Medicare Advantage, with options for 172 Medicare Advantage plans.

Approximately 43% of Maine residents who are on Medicare are also enrolled in Part D, which adds coverage for prescriptions as either a standalone plan or as part of a Medical Advantage plan. In New Hampshire, 56% of the state's Medicare population (some 163,749 Medicare beneficiaries) signed up for Medicare Part D prescription coverage. Part D is particularly important to consider as an option if you have lots of medications. If you do not sign up for Part D during the initial enrollment period when you turn 65, you can sign up during open enrollment. Enrollment in Medicare Part D has increased dramatically since it was first launched in 2006. Prescription coverage (formulary) will cover depending on which plan you and provider you select.

The right Medicare solution for you will depend on your personal situation, as well as the level of coverage you think you might need both now and in the future. Of course, you can change your coverage during the open enrollment periods every year. Even the basic Medicare Part A and B coverage an important benefit to take advantage of as you consider your health and medical concerns. If you have any questions about which plan is right for you or what you should consider, please contact us at Blue Goose Maine to learn more.

Blue Goose, Inc.

 Address:  500 Southborough Dr #300, South Portland, ME 04106, USA

 Phone: +1 207-807-2272

 Web- http://www.bluegoosemaine.com/

 Review Us- http://bit.ly/2Y19BZF

 Find Us On Map- http://bit.ly/2VHZZ8G
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Location: 500 Southborough Dr #300, South Portland, ME 04106, USA

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