New to Medicare

If you’re new to Medicare, it can seem like an overwhelming and complicated process. That’s why we’re here– we can walk you through everything you need to know to make your transition to a plan.

 

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Medicare as Primary Insurance

Firstly, you will only enroll in Original Medicare– Parts A & B through the Social Security Office. Medicare Advantage and Part D coverage all obtained through an insurance agent or third-party agency.

Furthermore, if you are already receiving Social Security benefits, the government will automatically enroll you in both parts A and B. If not, you must enroll yourself.

Here are steps to get you started:

  • Confirm you are eligible
  • Read about Medicare costs so that you can be prepared for what you will pay
  • Apply at your local Social Security office or online at their website
  • Receive and verify your red, white, and blue Medicare ID card. Does it show you are enrolled in both Part A and Part B? You absolutely need Part B if Medicare will be your primary coverage.
    • You can no longer use your Social Security Number as an ID, you will receive a separate Medicare ID number
  • Read about your coverage options: Medicare Advantage (Part C) orsupplemental (Medigap) insurance coverage
  • Learn about Part D and determine which drug plan best suits you
    • You typically have the option of choosing a stand-alone Prescription Drug Plan (PDP), a supplemental plan with drug coverage, or a Medicare Advantage Plan with drug coverage (MA-PD)
  • Get someone on your side by working with an insurance agency like us. Our help is free and we are always available for your questions.
  • Review your coverage annually to make sure you are getting the most appropriate insurance at the right price

Medicare with Employer Insurance

If you’re still working, be sure to compare the price of your employer’s plan with that of Medicare plans.

Should you keep your employer coverage and enroll in Medicare too? Would it be better to leave your employer coverage and choose Medicare as primary insurance and add a supplement?

The answers depend on several factors, such as the size of your employer and how much you pay for your portion of that employer’s coverage. Visit our employer coverage page for answers to these questions.