Enrollment details
When should you enroll in Original Medicare
Even if you're a year or more away from turning 65, you can begin preparing now. These helpful tips can get you started on the right path.
Step One
Meet with the employee benefits manager if you are still working (or at a former job) to discuss retiree health benefits.
Step Two
Begin learning more about Medicare eligibility; the various parts of Medicare; what is and isn't covered; and when to enroll. Visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227) for complete enrollment details.
Step Three
Ask your doctors if they participate in Medicare and if they accept Medicare assignment.
Step Four
Get health insurance quotes for Medicare supplemental plans. You are guaranteed acceptance with BCBSKS when enrolling within six months of your Part B effective date or 65th birthday.
Step Five
Apply for Medicare benefits (Part A and B) if retiring at age 65 (and not already receiving Social Security benefits) three months before your 65th birth month.
Step Six
Enroll in a Medicare supplemental plan. Remember – Medicare supplemental plans do not cover prescription drugs. This would need to be purchased separately.
Medicare Supplement coverage works with Medicare
Our Medicare supplement health coverage plan is designed specifically to supplement the expenses Medicare does not pay, so you have less out-of-pocket expenses to worry about.
The amounts below are for the services Harry received during treatment.
Harry broke his leg and was admitted to his local hospital for treatment.
Hospital charge
$4,000
Medicare pays
$2,400
Harry pays
(Medicare deductible and coinsurance)
$1,600
Doctor charge
$2,000
Medicare pays
$1,419
Total Harry pays
(includes $226 deductible and 20% of all other charges)
$581
With Medicare Parts A and B Harry pays $2,181 out of pocket.
With Medicare Parts A and B and Medicare Supplement Plan G Harry pays $226 out of pocket.
Hospital charge
$4,000
Medicare pays
$2,400
MedSupp pays
$1,600
Harry pays
$0
Doctor charge
$2,000
Medicare pays
$1,419
MedSupp pays
$355
Total Harry pays
$226 deductible
$226
With Medicare Parts A and B and Medicare Supplement Plan G Harry pays $226 out of pocket.
Medicare resources
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