How do I sign up for Medicare? How much does Medicare cost? Should I buy Medigap? When should I buy a Georgia Medicare supplement plan?

Sign Up for Medicare

• Most people will be automatically enrolled in Medicare Part A when they turn 65.
• Your Medicare begins the first of the month in which you turn 65 . . . UNLESS your birthday falls on the first day of the month. If you turn 65 on June 1, your Medicare will begin on May 1.
• Part A helps pay for some of  your inpatient hospital care, some skilled nursing home care, home health care and hospice.
• Part A is available without a monthly premium for most US citizens

Medicare Part B

• You must ELECT to enroll in Medicare Part B.
• You can sign up for Part B by going online to the SSA/Medicare site or by calling 1-800-MEDICARE.
• Part B pays for SOME of your doctor expenses and certain outpatient expenses not covered by hospital insurance
• You will pay a monthly premium for Medicare Part B which will be deducted from your monthly Social Security check. The 2012 premium for Part B is $99 for most people.
• If you are not receiving Social Security, you can ask Medicare to bill you quarterly.
• If you do not sign up for Part B when first eligible you may be required to pay a LIFETIME penalty

Buying a Medigap Plan

• The best time to buy a GA Medicare supplement plan is when you turn 65 and enroll in Medicare Part B
• Review the Medicare guide CHOOSING A MEDIGAP POLICY
• Understand your rights to buying a Medigap policy and know when you cannot be refused a policy by an insurance company.
• Compare Medigap rates and plans online. Quote, review, compare and apply online.
• Ask for a competitive quote, personalized to YOUR needs and budget showing plans with the LOWEST PREMIUMS IN GEORGIA
• Note: Medigap Plan F is OVERPRICED by most carriers. Ask Georgia Medicare Plans for VALUE PRICED MEDIGAP PLANS

Finding a Prescription Drug Plan -Medicare Part D

• Even if you do not use prescription drugs now, you should sign up for Medicare Part D
• If you fail to sign up for Part D when first eligible you will be required to pay a LIFETIME PENALTY for late enrollment
• You can use the Medicare Prescription Drug Formulary Finder to pick a low cost drug plan in your area
• Call 1-800-MEDICARE with a list of your medications, dosage and how often filled
• Ask your pharmacist to help you find a Medicare Part D plan

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