Frequently asked questions about Medicare as the open enrollment deadline approaches

The open enrollment for Medicare is approaching (Dec. 7), but navigating Medicare can be challenging for those who are new to the system. Here are some frequently asked questions and answers to help those who are getting started with Medicare ahead of the Dec. 7 deadline.

What is Medicare?

Medicare is a program funded by the U.S. government that offers health insurance for people aged 65 and older. People with disabilities, end-stage renal disease, or ALS can also qualify to receive Medicare benefits. People become eligible to sign up for Medicare three months before turning 65.

How do I sign up for it?

Some people receive Medicare Part A (hospital insurance) and Part B (medical insurance) automatically because of their applications for retirement or disability benefits from the Railroad Retirement Board, which offers social security for government railroad workers. Visit www.medicare.gov to determine if you need to sign up for Medicare or if you will automatically receive it.

How does it work?

Medicare does not offer plans for couples or families like private insurance, so spouses and family members can choose different coverage options. Once signed up for Part A and Part B, individuals can choose between original Medicare and Medicare Advantage. Original Medicare is the default option, which most people have unless they choose a Medicare Advantage plan. Original Medicare covers most of the cost for plan-approved medically necessary and preventive services. Medicare Advantage bundles Part A, Part B, and typically Part D coverage into one plan and offers dental, vision, and hearing benefits as well.

What are my Medicare coverage options?

There are two main coverage options to choose from: original Medicare and Medicare Advantage. Original Medicare includes Parts A and B, with the ability to add Part D (drug coverage) and supplemental coverage (Medigap, coverage from former employers, or Medicaid). Medicare Advantage includes Parts A and B, and most plans include Part D. Individuals can also choose to add extra benefits like dental, vision, and hearing services. Medicare.gov has a side-by-side comparison of the two options to help with the decision.

Knowing about available health insurance options is important for people of any age, and those who are approaching 65 or past it need to be familiar with Medicare. More information about Medicare plans and coverage is available at www.medicare.gov.

More information can be found at qualchoice.com.