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Dates to Remember
You can start getting plan information for 2013 premiums and benefits.
October 15 — December 7
This is the Annual Election Period (AEP). During this time, you can make changes to your existing Medicare health or prescription drug plan or select a new plan for 2013.
January 1 — February 14
This is the Medicare Advantage Disenrollment Period. During this time, you can prospectively disenroll from your Medicare Advantage (MA) plan and return to Original Medicare.
If you are turning 65:
– If you aren’t getting Social Security (for instance, because you are still working), you will need to sign up for Medicare benefits. You should contact Social Security three months before you turn age 65.
– You can enroll in a Medicare plan starting three months before the month of your 65th birthday, the month of your birthday, and for up to three months after your 65th birthday, for a total period of seven months.
– If you already receive Social Security benefits, you don’t need to do anything. A Medicare card should automatically be sent to you about three months before you become eligible for Medicare.
Medicare Supplement Insurance Plans (Medigap)
Medicare Supplements or Medigap are private insurance policies designed to cover the gaps in Medicare coverage. It is important to research and shop for the best rates in your area. All plans are “standardized” and must offer the same level of coverage dependi ng on which policy you choose. You may find substantial price differences between each insurance company. Our representatives will help you by providing you with a plan comparison from the various companies so that you can make an informed decision.Example: If you choose a Plan F Medicare Supplement plan you will receive the same exact benefits regardless of the company you enroll with. In this case it may be wise to choose the company that has the lowest premium.
In most states Medicare Suplement plans are seperated into 12 categories Plans A-L. As of July 2010 Plan N And M were added. Each plan has a different level of coverage and you should choose depending on your specific needs. Eligibility and enrollment periods may vary depending on the state where you live.