Feeling lost? You are not alone.
People who are new to Medicare often have a hard time sorting things out in the beginning. There are all these parts and plans with similar letters, which makes it hard to figure out what is what. The massive amount of mail that people new to Medicare receive certainly doesn’t help either! It is not unusual for a local client to bring in a whole bag of Medicare mail that he has received at home and ask for our help to identify which things should be kept or tossed out.
We’ve put together a checklist for you to help you get started, along with a list of steps below. You can download our New to Medicare checklist right here on this page. Look for the orange button on the right sidebar. Or, if you are more of an audio learner, you can listen to our “Medicare 101” podcast at Surviving Healthcare for a great overview.
New to Medicare Steps
When you first become eligible for Medicare, there are several steps to get the ball rolling. Although it seems like a lot, it’s a painless process when you know the proper steps to take. You can find most of the information you need right here on this website.
One tip that many of our clients have found helpful is that the only parts of Medicare you will enroll in via the Social Security office is your Original Medicare Parts A & B. All other Parts and supplemental coverages are done outside of that, through an insurance agent or agency.
Here is an overview of the steps you will be taking.
- Confirm you are eligible for Medicare
- Read about Medicare costs so that you can be prepare for what you will pay
- Contact the Social Security office for the necessary forms to apply for Medicare: www.ssa.gov
- Receive and verify your red, white and blue Medicare ID card. Does it show you are enrolled in both Part A and Part B?
- Read about your coverage options: Medicare Advantage or Medicare supplemental insurance coverage
- Learn about Part D and determine which drug plan best suits you
- Get all your questions answered as you start using your benefits. We are always available for your calls and questions.
- Review your coverage annually to make sure you are getting the most appropriate insurance at the right price
Our checklist explains these steps in greater detail and includes a bonus worksheet for you to calculate your potential costs for Medicare. Don’t forget to get that from our right sidebar before you leave this page.
How Employer Coverage Affects You
The New to Medicare steps you will take will vary based on WHEN you are thinking of enrolling in to Medicare, and whether you have existing health coverage.
Some people enroll at age 65 when they first become eligible and may or may not have other coverage. Other people work past age 65 and need to decide if leaving their group coverage for Medicare primary insurance is cost effective. See these pages for more reading on each situation:
- New to Medicare at age 65 with no employer coverage.
- New to Medicare with Employer Coverage. These folks are considering whether to keep employer coverage and let Medicare coordinate with it, or leave group coverage for Medicare as your primary insurance.
If you are feeling bewildered about Medicare, there is no need to go through this on your own. Our friendly, knowledgeable, no-hassle agents can walk you through this process step by step. We start by teaching you the basics so that you understand your Original Medicare coverage. That’s the key to deciding which kind of supplemental coverage works best for you when you are new to Medicare.
Once your policy in place, you will also have the peace of mind that comes from knowing that we are just a phone call away when you need help with how your policy works. To get help from Boomer Benefits now, call (855) 732-9055 or click here:
To continue learning Medicare, go next to: Medicare Eligibility.