Where Do You Go To Sign Up For Medicare?
All Medicare plans are administered by private insurance companies, not by the government. If you want to join a Medicare Advantage plan you must enroll with a private company.
Medicare Advantage plans are also sometimes referred to as Medicare Part C plans because you enroll through Medicare Part C, which is the Medicare Advantage portion of the program. Here's a list of the Medicare Advantage plans available in your area.
You can also enroll in a Medicare Advantage plan directly with a health insurance company.
If you enroll with a traditional Medicare plan (Part A and Part B), you'll typically receive information about Enrolling in Medicare from the Social Security Administration (SSA). The SSA will also tell you which health insurance companies are offering Medicare Advantage plans in your area.
You can learn more about Medicare Advantage plans from the Centers for Medicare and Medicaid Services (CMS).
If you have a Medicare Advantage plan, you can also find a provider on the Medicare Plan Finder website. This website will help you compare Medicare Advantage plans and find a health care provider willing to accept your coverage.
You can also call 1-800-MEDICARE (1-877-690-1012), or visit your local Social Security office. You can get a list of your local offices from the SSA.
When you sign up for a Medicare Advantage plan, you'll typically need to pay your first month's premium. You can pay this premium by sending a check or money order to the insurance company, or by paying online.
Can I change Medicare Advantage plans?
You can switch to a different Medicare Advantage plan whenever you want. You can also switch back to traditional Medicare and sign up with a different plan, or enroll in a different plan with the same company.
Here's how to switch from one Medicare Advantage plan to another:
Weekly income of $250 or less, or less than $2000 over the entire year?
If you have a Medicare Advantage plan that covers both Part A and Part B and your income is at or below these amounts, you may qualify for the Extra Help program.
Extra Help will pay for some or all of your Part B premium and/or your drug plan premium.
If you qualify, you'll automatically be enrolled in Extra Help and will receive Part B coverage free of charge and should also be enrolled in a Part D drug plan.
If you're eligible for Extra Help, you can learn more about the program on the official Medicare website. There are also specific numbers you can call to learn about your eligibility.
If you're not sure whether you're eligible, or if you have any questions about your Extra Help benefits, you can call 1-800-MEDICARE (1-877-690-1012).
Medicare 2018 Cost
How much does Medicare cost?
How much do you pay for Medicare?
This varies depending on your circumstances.
Here's the breakdown:
Part A (Hospital) – If you're eligible for Social Security, you pay a premium of $422 per month or $94.90 per month – whichever is greater. Some people don't pay a premium for Part A if they or their spouse paid Medicare taxes while they were working. If you don't have to pay a premium, you don't have to pay anything. If you're also eligible for Medicaid, you will not be charged a premium for Part A.
Part B (Medical) – There is no premium, but you do have to pay a deductible and coinsurance. The deductible is $183.00 per year and the coinsurance is 20% of the Medicare approved amount. The Part B deductible and coinsurance do not apply if you receive hospice care or you are in a hospital for at least 3 days.
Part D (Drugs) – The monthly premium for Part D is based on your income. You will not be charged a premium if your income is $16,335 or less if you're single, or $33,465 or less if married.
Here's how much you'll pay for Medicare in 2018:
Premiums & Deductibles
The monthly premiums for each Medicare program are:
Part A: $422 per month (if not eligible for Medicaid). The premium is reduced if you or your spouse paid Medicare taxes for 10 or more years while working.
Part B: There is no premium if you're covered under Part A or Part C. If you're not, this amount will vary depending on your income.
Part D: The premium amount is based on your income. The premium is waived if your income is below a certain amount.
Co-payments & Coinsurance
If you go to a Medicare Advantage plan, you'll have a co-pay of $0.50 or $1.00 per prescription. If you go to a traditional Medicare plan, you'll have a co-pay of $1.00 per prescription.
The co-pay for receiving Part A in a hospital will be $0.50 per visit for a 20-day supply of outpatient inpatient hospital services. Starting in 2019, the deductible will be $185 per month.
The co-pay for receiving Part A in a skilled nursing facility will be $161.50 per day for days 21 through 100.
The co-pay for receiving Part A hospice care will be $0.50 per prescription drug on a 30-day supply.
The co-pay for receiving Part B services will be $0.50 for an office visit with a primary care physician, a specialist, or a podiatrist.
The co-pay for a physician's assistant or nurse practitioner will be $3.95 for an office visit.