Turning 65 and Have Questions About Medicare?
If you’re about to turn 65, you have some important decisions to make about your health care. Most adults become eligible for Original Medicare when they turn 65 – but will that cover all your needs?
Below are some common questions and answers people have about Medicare when they turn 65.
What is Original Medicare?
It’s the federal health program for people who are 65 and older or people with disabilities. If you want to learn more about Original Medicare, check out our frequently asked questions.
What does Original Medicare cover?
Includes Part A (Hospital Insurance) and Part B (Medical Insurance). You can use any doctor or hospital that takes Medicare, anywhere in the U.S. But often it does not cover things such as:
- Long-term care
- Eye exams related to prescribing glasses
- Hearing aids and exams
For additional benefits you can also opt-in for a Medicare Advantage plan, like Elderplan.
Do I automatically get Original Medicare when I turn 65?
Medicare enrollment begins three months before your 65th birthday and continues for 7 months. If you are currently receiving Social Security benefits, you don’t need to do anything. You will be automatically enrolled in Medicare Parts A and B effective the month you turn 65. If you are not already receiving Social Security benefits you will need to sign up for Medicare.
What happens if I don't sign up for Medicare Part B at 65?
If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage. In most cases, if you don’t sign up for Medicare Part B when you’re first eligible, you’ll have to pay a late enrollment penalty.
What if I’m still working and have employer insurance?
If you are working past age 65 and have insurance from your job (or your spouse is working and you get health coverage that way), you should contact your plan and review how your coverage will change before deciding whether you need to enroll in Medicare now.
What is a Medicare Advantage (MA) plan?
Medicare Advantage plans are “bundled” plans that include Part A, Part B and usually Part D. Most MA plans offer extra benefits that Original Medicare doesn’t cover – like vision, hearing, dental and more.
Links to Government Resources
We’ve compiled a list of websites that may be helpful or of interest to you.