Cómo inscribirte en Medicare

Get Started With Medicare

 

If you are turning 65 soon, it is time to think about applying for Original Medicare. Here are three ways to apply:

 

    Visit SocialSecurity.gov

 

    Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778) 

 

    Go to your local Social Security office

 

If you’re receiving Social Security or Railroad Retirement Board benefits four months prior to your 65th birthday, you’ll be automatically enrolled in Original Medicare Part A and Part B.

 

Once you’ve signed up for Original Medicare, you can explore options like Medicare Advantage and prescription drug (Part D) plans that can give you additional benefits and cover costs that Original Medicaredoesn’t.

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When Are You Eligible To Sign Up For Original Medicare?

 

The best time to apply is during your Initial Enrollment Period. That’s the three months before the month you turn 65 through the three months after. This will help you avoid fees or delays in coverage. If you have questions or are wondering about signing up for Medicare while still working, we can help you find the best time to sign up. You can also find out more about Medicare eligibility here.

When Is The Best Time To Sign Up For A Medicare Advantage Or A Prescription Drug Plan?

 

Unless you have better healthcare or drug coverage from another source, the best time to buy a Medicare Advantage (Part C) or Prescription Drug (Part D) plan is right after you become eligible for Original Medicare. This could be during your Initial Enrollment Period when you turn 65, when you are eligible because of disability, or another reason or if you have a qualifying disease.

 

If you don’t sign up during your Initial Enrollment Period you will have to wait until the October 15 to December 7 Annual Enrollment Period (AEP).2 You may also qualify for a Special Enrollment Period (SEP)1 that allows you to sign up at other times during the year. You may be subject to Part D late enrollment penalties if you don’t enroll in a Part D plan or a Medicare Advantage plan that includes Part D when you’re first eligible.

 

Even if you’re in good health and don’t use prescription drugs now, purchasing a Part D or Medicare Advantage plan for the future is a good idea. Your health and medication needs can change quickly and adding coverage over Original Medicare can protect you from paying unexpected costs.

How And When Can You Switch Medicare Plans?

 

You can switch or change your Medicare Advantage or Part D plans during the October 15 to December 7 Annual Enrollment Period (AEP).1

You can also change from a Medicare Supplement (Medigap) plan to a Medicare Advantage plan during this period. If you’re not happy with the Medicare Advantage plan you selected during AEP, you can change your choice just once during the January 1 to March 31 Medicare Advantage Open Enrollment Period. Outside of the AEP, if you have certain life events such as moving or your plan changes, you may be eligible for a Special Enrollment Period (SEP).2

 

You can switch between Medicare Supplement plans at any time. However, if you are outside your six-month initial Medigap Open Enrollment Period you may lose your guaranteed issue rights.3 You might be denied coverage or pay higher premiums based on pre-existing or current health conditions.

Note: Empire does not sell Medicare Supplement plans in New York.

How Do You Sign Up For A Medicare Advantage Or Prescription Drug (Part D) Plan?

 

You can sign up for a Medicare Advantage or Prescription Drug (Part D) plan with us.

 

Our secure online store lets you shop for plans. You enter information from your red, white, and blue Medicare ID card, add any prescriptions, add your preferred doctors and facilities, and answer a few questions. We’ll show you plans that are a match for you. You can also find answers to your questions, receive a quote, and apply online.