Turning 65 & Medicare

Turning 65 marks an important milestone for making Medicare decisions. Brooks Insurance Group is here to be your trusted partner.

Turning 65 is a significant milestone. One of the most important aspects of this age is becoming eligible for Medicare, the federal health insurance program. It’s essential to understand your options, deadlines, and available resources. Below, we'll walk through what to expect and how to navigate this stage.

Medicare Basics: What is it?

Medicare is a federal health insurance program primarily for individuals aged 65 and older. It also covers some younger individuals with disabilities and those with End-Stage Renal Disease (ESRD). 

메디케어는 여러 부분으로 나뉩니다.

Medicare Part A (Hospital)

Medicare Part B (Medical)

Medicare Advantage (Also called Medicare Part C)

메디케어 파트 D(약물 보장)

Late Enrollment Penalties for Medicare

There are a couple of late enrollment penalties to know. These occur when you do not sign up for Medicare during your IEP:

Part B Penalty: A 10% increase in premiums for each 12-month period you were eligible but didn’t enroll.

D 부분 벌금: 적격 시 처방약 보험에 가입하지 않은 각 달에 대해 국가 기본 보험료의 1%가 부과됩니다.

Partner With Professionals to Make Turning 65 Even Better

65세가 되면 건강 관리를 스스로 관리하고 미래를 계획할 수 있는 기회입니다. 메디케어 옵션을 이해하고, 주요 가입 기간을 준수하며, 이용 가능한 자료를 활용하면 자신의 필요에 맞는 현명한 결정을 내릴 수 있습니다.

If you have any questions, reach out to us. We look forward to helping you explore your Medicare options!

메디케어 주요 날짜 및 마감일

초기 등록 기간(IEP) 초기 등록 기간(IEP)은 65세 생일을 중심으로 7개월 동안입니다.

Starts three months before the month you turn 65

Includes the month you turn 65

Ends three months after your birthday month

During this time, you can:

Enroll in Medicare Parts A and B

Choose a Medicare Advantage Plan

Sign up for a Part D Prescription Drug Plan

Automatic Enrollment
If you already receive Social Security or Railroad Retirement Board (RRB) benefits, you’ll likely be automatically enrolled in Medicare Parts A and B. You’ll receive your Medicare card in the mail about three months before your 65th birthday. 

If you’re not receiving these benefits, you must sign up for Medicare through the Social Security Administration.

Special Enrollment Period (SEP)
If you’re still working and have health coverage through your employer or union, you may qualify for a Special Enrollment Period (SEP) to sign up for Medicare without a late enrollment penalty after your Initial Enrollment Period ends. The SEP typically lasts for eight months after your employment or group coverage ends.

Annual Enrollment Period (AEP)

Every year from October 15th to December 7th, you can add or make changes to your Medicare coverage, including:

Enroll in, switch, or drop Medicare Advantage plans 

Enroll in, switch, or drop Medicare Part D prescription drug plans

Medicare Advantage Plan(OEP) 공개 등록 기간

If you're enrolled in a Medicare Advantage plan, you can switch to a different plan or return to Original Medicare from January 1st to March 31st each year.

How to Choose the Right Medicare Plan

적합한 보장을 찾는 것은 매우 중요하며, 바로 이 부분에서 저희가 도와드릴 수 있습니다. 풍부한 경험을 갖춘 메디케어 보험 브로커와 협력하면 본인과 가족에게 가장 적합한 플랜을 찾을 수 있는 최고의 기회를 얻을 수 있습니다. 자세한 내용은 아래를 읽고 각 플랜의 차이점과 각 플랜 유형이 제공하는 혜택에 대한 간략한 개요를 확인하세요.

Medicare Part A (Hospital)

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare services.

Medicare Part B (Medical)

Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

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Also called Medicare Part C, these plans combine the benefits of Original Medicare (Part A and Part B) into a single plan with additional coverage, like dental, vision, hearing, wellness, and more. 

Medicare Part D (Drug Coverage)

메디케어 파트 D 처방약 플랜(PDP)은 오리지널 메디케어(파트 A 및 파트 B)와 메디케어 어드밴티지 플랜과 함께 작동하여 처방약 보장 혜택을 제공합니다.

Original Medicare vs. Medicare Advantage

Original Medicare (Parts A and B): Offers nationwide coverage but does not include additional benefits like dental or vision. Beneficiaries often purchase supplemental Medigap policies to cover out-of-pocket costs.

Medicare Advantage (Part C): Offers an all-in-one plan through private insurers, often including additional benefits and lower out-of-pocket costs, but with more restricted provider networks.

Medigap vs. Medicare Advantage

Medigap supplements Original Medicare, while Medicare Advantage plans are an alternative to it. 

메디케어 어드밴티지 플랜에는 시력, 치과, 웰빙 프로그램과 같은 추가 혜택이 포함되는 경우가 많지만, 일반적으로 네트워크 내 의료 서비스 제공자를 이용해야 합니다.

Medigap plans work alongside Original Medicare, allowing you to see any Medicare-approved provider and offering more predictable costs. 

Long-Term Care

Medicare does not cover most long-term care services, such as nursing homes or personal care. You may contact a Long Term Care company for coverage and rates. The qualifications and premiums become more expensive each year we age as the premium is based on the age you apply.