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THE CARDINAL GUIDE TO:
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￭ Medicare Part A and B start (for most people) on the first of the month before their 65th birthday. Part A is free and Part B has a monthly cost. If you are still working at 65 and covered by group insurance, sign up for A at 65 and delay enrolling in B until you retire.
￭ Choose a Medicare Advantage plan (Parts C and D) if you want no or a low insurance premium, deductibles, and co-payments. However, make sure you don’t mind the insurance company choosing your doctors and hospitals for you.
￭ A Medicare Supplement Plan G or F plus a separate Part D plan come with low or no deductibles or co-payments. Unlike Medicare Advantage plans, this option also gives you the freedom to go to any doctor or hospital that takes Medicare at your discretion.
￭ You can buy Part D after going to Medicare.gov and running a comparison of Part D plans.
￭ If you’d prefer help choosing and purchasing your Medicare Supplement Plan G or F, make sure to look for an independent agent who does not have a vested interest in steering you to a particular insurance company. You can also look at a premium comparison report before you buy to ensure you’re getting your plan as cheaply as possible. Click HERE to run that report on our site.
￭ Prices can go up even if you’ve been on a Medicare Supplement plan for a few years. Make sure to occasionally recheck your rate against other insurance companies. In other words, shop around because you might be paying too much.
￭ If you qualify for LIS (the low-income subsidy program) or Extra Help, the government will pay your Part B premium for you and reduce your Part D drug co-payments.
￭ Prepare to pay higher-income surcharges for Medicare Parts B and D if your income is over $85,000 as a single person or $170,000 as a couple.
￭ Long-term Care implication through Medicare: Don’t rely on Medicare to pay your long-term care bill, because it doesn’t!
Want more information? The Centers for Medicare & Medicaid Services (CMS) produces “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare” to inform the public about Medicare supplements.
We made a simplified version to highlight the most important parts that you can access below. Plus, read the Medicare chapters from “The Complete Cardinal Guide” and the accompanying workbook.
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2530 Meridian Parkway, Suite 100
Durham, NC 27713
8307 University Executive Park Dr, Suite 252
Charlotte, NC 28262
6520 Airport Center Drive, Suite 100
Greensboro, NC 27409