Medi Advisors of Ohio

If You Are Turning 65 Soon

Below are general answers to important questions.
Contact us for specific answers regarding your situation.

How do I apply for the Medicare Program

Some people get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) automatically, and some have to sign up for it.

Online:
www.ssa.gov/medicare

By Phone:
National Social Security Toll-Free Number: 1-800-772-1213 (TTY:711)

In Person:
at your local Social Security office

Need additional help? Call us!

What happens with the health insurance I have from work (group coverage)?

Group insurance is not a Medicare supplement. In most cases you have a choice to keep your group coverage or replace it with a Medicare Insurance Plan.

Speaking with a licensed insurance agent in addition to your HR benefits department will help you determine which option is best for you. Decisions regarding your group coverage involve adhering to specific Medicare timelines, deductibles and restrictions and may cause you to incur Late Enrollment Penalties and taxable events pertaining to your HSA.

Still have questions? Contact us.

How do I find a plan that includes my doctors and prescription medications?

Choosing the right plan can sometimes be overwhelming. Depending upon where you live in Ohio, there are nearly 40 insurance providers offering up to 10 Medicare supplement plans, up to 45 different Medicare Advantage plans and 25 prescription drug plans to choose from.

When facing the enormity of the task, call us. We’ll do the hard work and sift through the Medicare insurance plans to find ones that fit your needs, budget, and lifestyle. We’ll review the options with you, and you’ll never feel rushed. We are right around the corner and just a phone call away.

Important Dates to Remember

Avoid costly mistakes!
Decisions regarding your Group & Health coverage involve adhering to the specific Medicare Program timelines to avoid Late Enrollment Penalties and unnecessary additional premiums.

Turning 62: For those with a higher net worth, contact your accountant and financial planner.
Turning 64: Start preparing for Medicare Insurance now to learn important timelines, coverage, costs & penalties.
Sept. 30: Annual Notice of Changes to your current plan mailed to beneficiaries. Contact your Licensed insurance agent to review these important changes.
Oct. 1 – 14: Pre-Annual Enrollment Period. This is your “First Look” opportunity to view next years plans with your licensed insurance agent
Oct. 15 – Dec. 7: Annual Enrollment Period for Medicare Advantage and Part D Prescription plans
Jan. 01 – Mar. 31: Medicare Advantage Open Enrollment Period. If you are already in a Medicare Advantage plan, you can make one change during this time to another Medicare Advantage plan, with our without drug coverage, or go back to Original Medicare and enroll in a Part D plan. This is also the same time frame as the General Enrollment Period for Part A and Part B if you did not enroll during your initial enrollment Period and do not have another valid election period available. Coverage takes effect the 1^st day of the month following enrollment.
Quarterly: Medicaid and Extra Help Beneficiaries may have the option to make quarterly changes to their Medicare Advantage and Part D drug plans from Jan 1 – Sept 30th.
Yearly – Oct. 1: For many beneficiaries, this is the Lock in period for Medicare Advantage plans and Part D drug plans unless your situation qualifies you for a Special Enrollment Period.
25th Month of Disability: Generally Eligible for Medicare Part A & Part B, Medicare Part C Advantage Plans and Medicare Part D Prescription Drug plans.
Turning 65 – Generally Eligible for Medicare Part A & Part B, Medicare Part C Advantage Plans, Medicare Part D Prescription Drug Plans and Medicare Supplements (Medigap).

Medi Advisors of Ohio

If You Are Turning 65 Soon

If You Are Turning 65 Soon

Important Dates to Remember

Based on your personal situation, you may have other enrollment options available.