Turning 65? What are your options? Where do you start?
Step 1. Medicare Enrollment: Most of you will be automatically enrolled in original Medicare ‘Part A and Part B’ and will receive your red, white and blue Medicare card three months before your 65th birthday and your Medicare coverage will start the first day of the month of your 65th birthday.
If you have not received your Medicare cards then you can go online http://www.socialsecurity.gov/medicareonly/ or call Social Security at 1-800-772-1213 (TTY 1-800-325-0778).
Step 2. Prescriptions: Decide if you want prescription drug coverage (Part D) – Medicare Part A and Part B do not cover prescriptions. You either purchase Part D from a private company or buy Medicare Advantage (Part C) plan from a private company instead of ‘Part A and Part B’. There are multiple ways to enroll in Part D plan. Options are:
Enroll online Medicare Plan Finder or on the plan’s Web site
Complete a paper applicationCalling the plan
Call the Plan
Step 3. Supplemental Coverage: Once you have Medicare Part A and Part B, you can buy a Medicare Supplement (Medigap) policy from a private company.