Medicare is a health insurance program run by the federal government. The open enrollment period is from October 15 – December 7, 2018, and we’re here to help you find the right plan. It’s important to understand that if you don’t enroll when you’re first eligible, according to Medicare.gov, you may have to pay a penalty and possibly have a gap in coverage. 

Do you still need some help deciding? Visit us online and ‘Get a Recommendation’ that fits your lifestyle. 

What is Medicare?

Let’s start here, Medicare provides coverage for people who are:

Age 65 and older

Under age 65 with certain disabilities

Of all ages with end-stage renal disease

How do I qualify? 

To be considered eligible for Medicare you’re:

A United States citizen or a legal resident who has lived in the U.S. for at least five consecutive years.

65 years old and worked at least 10 years in a job that is considered Medicare-covered.

Or you have a disability or end-stage renal disease.

How and When Should I Sign Up?

Start thinking about your options when you turn 64. Here is a great month by month checklist of things to consider.

What Options Will I Have? 

Medicare is made up of parts that handle different types of coverage:

Parts A and B, also known as Original Medicare

Medicare Advantage (Part C)

Part D (Prescription Drug Plans)

There is also a product that isn’t a part of Medicare that provides additional coverage, called Medicare Supplement or Medigap. Medicare Supplement plans are a supplement to Medicare and are available through private insurance companies such as Blue Cross and Blue Shield of North Carolina.

Aolani Donegan

About Aolani Donegan

Aolani Donegan is a social media communications specialist at BCBSNC. She is passionate about family, food, sports, and media.

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