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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options.
Open enrollment has started! Here's what you need to know about how you can make changes to your Medicare Advantage or Part D plan.
How are Medicare benefits changing for 2023?
Changes to 2023 Medicare coverage include a decrease in the standard Part B premium to $164.90 and a decrease in the Part B deductible to $226. Part A premiums, deductible and coinsurance are all increasing for 2023.
Four reasons to change your Medicare Advantage coverage
If you're enrolled in a Medicare Advantage plan and you're not happy with it, you can switch plans during Medicare's annual open enrollment period. Here are four reasons why you might change coverage.
Four signs you need to change your Medicare Part D coverage
Some Medicare beneficiaries stick with the same MA-PD or Part D plan and do well with it for years. But before you settle for your current prescription drug plan, shop around and assess your choices.
Your Medicare card: a user’s guide
Key takeaways Most beneficiaries receive their Medicare card about three months before their 65th birthday. If you don’t receive your card, call Social Security. Your card contains your name and ID number. Have your card with you when you’re visiting a provider or filling a prescription. If you have Medicare Advantage or Medigap, have those […]
Have Medicare’s enrollment rules changed in response to the coronavirus?
Medicare has special enrollment periods for those 65 and older who have lost job-based coverage, which means you may qualify for immediate enrollment into Medicare Part B. You may also be eligible to select a Medicare Advantage or Part D plan, or enroll in a Medigap plan.
Medicare Advantage’s supplemental benefits
Insurers offering Medicare Advantage plans now have the flexibility to include more supplemental benefits focused on improving quality of life for chronically ill Medicare enrollees.
This window provides the most plan change flexibility, allowing beneficiaries to make changes to their Medicare Advantage or Part D plans, switch from Original Medicare to Medicare Advantage or vice versa, or sign up for Part D if they didn’t do so when they were first eligible (a late enrollment penalty may apply).
See the full list of Medicare enrollment dates for the coming year.
For 2023 coverage, put these enrollment opportunities on your calendar:
Medicare beneficiaries change their coverage for a variety of reasons, including changes in provider networks, increases in premiums, the availability of new plan benefits, and changes in Part D formularies – as well as changes in beneficiaries’ own situations.
Read more here:
If you choose to go with a Medigap plan, you should definitely take note of the fact that Medigap plans aren’t guaranteed issue in most states after your initial enrollment period ends. That means if you apply for a Medigap policy later on – either for the first time, or because you want to switch plans – the carrier generally has the option of denying the application or charging you a higher premium based on the company’s underwriting requirements.
There are limited guaranteed-issue opportunities for Medigap plans after the initial enrollment window (including the one-time trial right period described above), and a few states have annual opportunities for people to enroll in Medigap on a guaranteed-issue basis (in most cases, this is just an opportunity to switch to a different plan, rather than newly enroll).
If you’re aging into Medicare, there’s a lot you can do to ensure that you end up with the right Medicare plan – and that you don’t incur unnecessary costs (including penalties) along the way.
Most new Medicare beneficiaries opt to go with one of these coverage scenarios:
If you’re already receiving Social Security or Railroad Retirement benefits at least four months before you turn 65, you’ll be automatically enrolled in Medicare and your Medicare card will be mailed to you about three months before you turn 65, with your coverage taking effect the first of the month you turn 65 (at this point you’ll have a chance to reject Part B if you choose to do so, but make sure you know all the ins and outs of that beforehand).
If you’re not yet receiving Social Security or Railroad Retirement benefits prior to turning 65, you will not be automatically enrolled in Medicare. Instead, you’ll need to apply for Medicare through the Social Security Administration, which will then send your Medicare card to you.
For millions of Americans, eligibility for Medicare is as straightforward as reaching their 65th birthday. That said, some Americans are not eligible to enroll in Medicare because they haven’t lived in the United States for at least five years. And others are eligible to enroll but have to pay a premium for Medicare Part A (which is free for most enrollees) because they haven’t worked for at least 10 years in the United States.
Although most Medicare beneficiaries are eligible due to their age, about 14% of all Medicare beneficiaries are under 65. That’s because people also become eligible for Medicare due to having a disability for at least two years, or being diagnosed with ALS or end-stage renal disease.
Learn whether you’re eligible for the various Medicare plans.
The enrollment process for those options is different – each with its own enrollment windows and corresponding penalties for missing those windows, including
How you go through the enrollment process depends on whether you’re comfortable and confident doing plan research on the internet, or whether you feel like you need personal interaction with a broker or agent. (If you’d like to talk to a licensed agent about your coverage options, you can call the number at the top of this page.)
If you do decide to enroll online, here’s the information you’ll need.
A common misconception about Medicare is that it’s a free government safety net that awaits beneficiaries when they reach retirement. The fact is, each type of Medicare coverage does have its own costs, similar to other health insurance you’ve purchased over the years.
So expect premiums, deductibles, copays, and coinsurance (although supplemental coverage may pay some or all of the cost-sharing for you). Also, expect those costs to change each year.
Here’s a look at the plan costs for 2023.
There is assistance available for beneficiaries who may have difficulty paying for Medicare expenses – including premiums and out-of-pocket costs. Many lower-income beneficiaries are eligible for help via the Medicaid system, which includes Medicare Savings Programs as well as full dual-eligibility for both Medicare and Medicaid.
How well do you understand Medicare’s coverage options? Ready or not, you can always learn more right here. The articles on this site are authored by a team of veteran healthcare writers who know the health insurance industry, understand the political battles over healthcare – and, most importantly, who know the needs of consumers.
In these pages, you can tap into an extensive collection of resources, including:
We hope you’ll find the answers to all your burning questions. If you can’t, please don’t hesitate to send us your questions.