From x-rays and hospital stays to prescriptions and surgeries, paying for your medical care can be expensive. Unfortunately, if you are no longer working a traditional job or you have retired completely, paying for your medical care can be even more challenging. Applying for Medicare will be an important step to ensure you have the medical coverage you need. Of course, the application process is not easy, but help is available. Here are a few tips to consider when enrolling in Medicare.
Start with SS
If you are 65 or close to turning 65 years of age, visit the Social Security Administration website to get started. Start early, though, since the process can be time-consuming.
Age is not the only factor, though. If you are disabled or have kidney failure, for example, you can begin the process of enrolling in Medicare even earlier.
One of the most important misconceptions people have is that enrollment is automatic. There are instances where it CAN be automatic, though. For example, if you are already receiving social security benefits, you will be automatically enrolled in Medicare once you reach the age of 65.
Understand the Types
During the process of enrolling in Medicare, you may be surprised to learn there are different plans available, especially since some plans are better than others.
Medicare A and Medicare B are most common. Medicare A covers medical facilities/hospitals, while Medicare B offers coverage for providers/doctors.
Plan C is most like a private health insurance plan and plan D offers prescription coverage, which can be used a supplementary method to cover coverage gaps in other plans.
Talk with Others
You most likely have friends, family members, and neighbors who are on Medicare or have recently gone through the process of enrolling in Medicare. These individuals can be valuable resources if and when you have questions about the enrollment process.
Remember that every case is different though, so your friend or family member's situation may be completely different than you. This means you may qualify for different plans in a different way.
Talking with professionals who specialize in Medicare planning and enrollment can also be beneficial. They will be able to answer specific questions about your individual needs, so you can choose the right plan. This ensures you have the proper medical care for many years to come.
Securing your Medicare coverage is not an easy process, but you can make it less stressful and more efficient by using these simple tips.