Whether you’re new to Medicare or exploring your options, we’re here to help you find the right plan with ease and confidence.
Medicare is a federal health program that helps cover medical costs for people 65 and older, as well as for younger individuals with certain disabilities.
We’re here to guide you through the different plans so you can find the one that best fits your needs.
When you turn 65, you have a seven month window to enroll in Medicare. This includes three months before the month you turn 65, your birth month, and three months after the month you turn 65.
Enter your birthday and we will tell you if you qualify
When you turn 65, you have a seven month window to enroll in Medicare. This includes three months before the month you turn 65, your birth month, and three months after the month you turn 65.
During this time, you can
Dont’ worry! You still can sign up during the General Enrollment period.
You will be able to enroll for Part A and/or Part B between January 1 and March 31 each year if both of these conditions apply:
Your coverage will start July 1. And you may be subject to penalties.
You can make changes to your coverage or enroll in a health care or prescription drug plan every year from October 15th to December 7th.
If you have Original Medicare, you can switch to a Medicare Advantage plan — or vice versa. You can switch from a
Medicare Advantage plan with drug coverage to one without — or vice versa.
You can join or drop a Medicare prescription drug plan. You can also update your coverage by switching to a new
plan from your current insurer or switching to a new insurer.
From January 1 through March 31 annually. It allows individuals enrolled in a Medicare Advantage plan to make a one-time election to go to either another Medicare Advantage plan with or without prescription drug coverage or Original Medicare. You’ll also be able to enroll in a Medicare prescription drug plan.
In either case, your new coverage will start on the first day of the month following the month you make a change.
If you’re looking to supplement your Original Medicare coverage to help with additional costs, the best time to buy a Medicare Supplement plan is during the six-month enrollment period that starts the first day of the month you turn 65 — as long as you have signed up for Medicare Part B. You’ll also be able to enroll in a Medicare prescription drug plan.
If you don’t sign up for a Medicare Supplement plan during this Open Enrollment Period, you may not be able to buy a Medicare Supplement plan. Unless you have a guaranteed issue right, you may be required to answer medical question
Don’t Worry! You May Still Qualify to Enroll
You can still sign up for Medicare during the Special Enrollment Period (SEP).
At Balance Benefits Group, we’re here to guide you through these changes and help you find the Medicare plan that works best for you.
You may qualify if you’ve experienced certain life events such as:
Inpatient hospital stays
Skilled nursing facility care
Hospice care
Some home health care
Premium: Usually free if you or your spouse paid Medicare taxes for at least 10 years. Otherwise, there’s a monthly premium.
Deductible: You’ll pay a deductible per benefit period for hospital stays.
Coinsurance: Costs vary based on the length of your hospital stay.
Doctor visits and outpatient care
Preventive services (e.g., screenings and vaccines)
Durable medical equipment (like walkers or wheelchairs)
Some home health care
Premium: Monthly premium based on income. Most people pay a standard amount.
Deductible: An annual deductible applies.
Coinsurance: Typically, you’ll pay 20% of the cost for covered services after meeting the deductible.
Combines Part A and Part B benefits.
Often with added perks like vision, dental, and hearing coverage.
Many plans include prescription drug coverage (similar to Part D).
Varies by plan and provider. Costs may include monthly premiums, deductibles, and copays.
Often lower out-of-pocket costs than Original Medicare.
Helps pay for prescription medications, including many generic and
brand-name drugs.
Premium: Monthly premium varies by plan.
Deductible: Some plans have an annual deductible.
Copay/Coinsurance: Costs for prescriptions depend on the plan’s drug tier system.
