Medicare

Learn About Your Options

You will soon be eligible for Medicare. It may seem like a long way off, but now is the time to get the facts. We’re here to help you understand your options before you enroll – so you can make an informed decision.

• What you need to know about Medicare
• How Medicare works
• Your Medicare coverage options
• Prescription drug coverage facts
• How and when you enroll

Did You Know...

You only have three months before and after your 65th birthday to enroll in Medicare Part A and Part B without paying a penalty without Employer provided benefits
Enrollment is not automatic – you must sign up to avoid a lapse in coverage
Medicare was never meant to cover all your medical expenses
We can help you make the right decisions

Medicare Supplement Plans

Medicare Supplement policies pay the deductible, coinsurance and/or copayment on expenses that are covered by Medicare Part A or B.

Fill the gaps in coverage:

Parts A and B are administered by Medicare; your supplemental coverage is administered by your insurance company
Plans are available to fit a wide range of budgets and needs
Many out-of-pocket expenses mitigated
Plan benefits are standardized by the government

Know Your Coverage Options

You can get additional coverage that meets your individual needs and helps protect your finances from unforeseen expenses. When you become eligible for Medicare Parts A and B, you can choose added coverage from a private insurance company:

Medicare Supplement Medicare Supplement policies pay the deductible, coinsurance and/or copayment on expenses that are covered by Medicare Part A or B
Medicare Advantage plans (also known as Part C) replaces Part A and B with added benefits
Prescription drug coverage (also known as Part D) helps pay for the medications prescribed by your doctor

Prescription Drug Coverage
(Part D)

Medicare Part D (prescription drug plans) can help cover the cost of prescription drugs, not covered by other plans.