What is Medicare and who is eligible for it?

Medicare is a federal health insurance program primarily for people aged 65 and older, but also for certain younger individuals with disabilities or end-stage renal disease. To be eligible, you must be a U.S. citizen or legal permanent resident and meet specific criteria based on age or health condition.

When can I enroll in Medicare?

You can enroll in Medicare during the Initial Enrollment Period (IEP), which starts three months before your 65th birthday, includes the month you turn 65, and ends three months after. There are also other enrollment periods, such as the Special Enrollment Period (SEP) for those with certain life events, and the General Enrollment Period (GEP) from January 1 to March 31 each year.

What is Medigap and why would I need it?

Medigap, also known as Medicare Supplement Insurance, covers costs that Original Medicare doesn’t, like copayments, deductibles, and coinsurance. If you have Original Medicare and want extra financial protection, Medigap can help you reduce out-of-pocket expenses.

Can I keep my current doctors with Medicare?

Whether you can keep your current doctors depends on the Medicare plan you choose. Original Medicare allows you to see any doctor who accepts Medicare, while Medicare Advantage plans may have networks of preferred providers. We can help you find a plan that includes your preferred doctors.

What if I miss my Medicare enrollment period?

If you miss your Initial Enrollment Period, you may be able to enroll during the General Enrollment Period, but you might face a late enrollment penalty. Special Enrollment Periods are available for certain circumstances, such as losing employer-based health insurance. We can help you understand your options if you’ve missed an enrollment deadline.

What is the Medicare Savings Program?

The Medicare Savings Program is designed to help low-income individuals with Medicare-related costs like premiums, deductibles, and copayments. If you qualify, these programs can significantly reduce your out-of-pocket expenses for Medicare.

How can I get help with Medicare enrollment?

At Bienestar Asesoria, we offer personalized guidance to help you navigate Medicare enrollment. Our experts will walk you through the process, explain your options, and ensure you have the coverage you need for your unique situation.