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Medicare Basics
Medicare* is the health insurance system for those age 65 and older and those on Medicare disability under age 65.
There are 2 Parts to Original Medicare and 2 Additional Parts of Medicare.
The 2 Parts of Original Medicare are:
Note: If this is your first time on Medicare Parts A & B, you have an Open Enrollment Period (starting 6 months before your Medicare Part B effective date and ending 6 months after your Medicare Part B effective date) which enables you to purchase a Medicare Supplement plan without answering any health questions. Since you cannot be turned down for Medicare Supplemental coverage during this Open Enrollment Period, most people wanting Medicare Supplemental coverage with Medicare enroll a month or more before their Medicare Part B effective date (to make sure they are covered as soon as their Medicare Part B starts).
The 2 additional parts to Medicare are:
Note: Open Enrollment for Medicare Advantage begins 3 months before you Medicare part B effective date and ends 3 months after the month of in which your Medicare Part B becomes effective.
Note: If you drop your Medicare supplement coverage to enroll in a Medicare Advantage Plan and later wish to return to a Medicare Supplement, specific health conditions could preclude you from being able to qualify for new Medicare Supplement coverage.
Note: If you have Original Medicare Parts A & B only, you may want to purchase a Medicare Supplemental policy to fill in the coverage deductibles and coinsurance amounts not covered by Original Medicare. If you want drug coverage, you will also need to get a separate Part D prescription drug program (see details below).
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*Please note that Future Benefits and their agents do not represent and are not endorsed by Medicare or CMS. This information is provided as a general overview and is not guaranteed accurate due to the changing laws and rules of Medicare. Please refer to Medicare.gov for additional information and current policies and procedures.