Do you need help with Medicare enrollment? If you're about to turn 65 or meet other specific conditions and don't know how to start the Medicare signup process, take a look at what you need to know about your options and how an insurance agent can help.

Are You Eligible For Medicare Plan Enrollment?

Before you take the next steps toward enrollment, make sure that you are eligible for Medicare. Original Medicare is federally-funded health insurance coverage that is for people ages 65 and over, patients with end-stage renal disease, or some younger people who have qualifying disabilities. 

Should You Wait Until You Turn 65 To Enroll In A Plan?

No, you don't need to wait until you have already turned 65 to enroll in Original Medicare. According to the U.S. Centers for Medicare and Medicaid Services, seniors are eligible to sign up three months before their 65th birthday. 

Who Should You Contact About the Medicare Signup Process?

You have a few different Medicare plan enrollment options. You can visit the U.S. Centers for Medicare and Medicaid Services to determine that you are eligible and learn more about plans. You can also contact the U.S. Social Security Administration (SSA) by phone or online for more information on signing up for a plan. 

Some people feel more comfortable talking to an insurance expert in person. A Medicare insurance plan agent can walk you through the steps and help you to understand the plan options. Along with premium-free Medicare Part A (hospital insurance), you may also want to purchase Part B (medical and doctor's office insurance), and prescription drug coverage (part D). 

Are There Private Insurance Medicare Plans? 

While Original Medicare (Parts A and B) are federally-funded plans, Medicare Advantage plans are private pay policies. An Advantage plan bundles hospital, medical, and prescription drug coverages. Even though it is a separate plan, you still need to have Original Medicare to qualify for an Advantage policy. 

You can discuss the Advantage plan options with a Medicare insurance agent. An agent can help you to compare the different types of coverage available and the prices or out-of-pocket expenses. These expenses could include monthly premiums (depending on the plan you choose), deductibles, and copayments or coinsurance payments. 

Which Insurance Companies Offer Medicare Plans?

The answer depends on where you live and the approved insurance companies that offer coverage in your area. Again, contact an insurance agent to learn more about the companies and plans available.  

For more information, contact a local Medicare insurance agent. 

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