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What's the late enrollment penalty for Medicare Part D and when does it take effect?

Suppose you don't enroll in a Part D prescription drug plan or a Medicare Advantage plan that includes Part D coverage when you are first eligible for Medicare. In that case, you may be assessed something called the Part D late enrollment penalty.…

Are covered benefits and cost-sharing requirements under Medicare Advantage plans the same thing?

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Covered benefits and cost-sharing for Medicare Advantage plans are two very different things. Covered benefits are a list of specific services, tests, etc., that are covered by your Medicare Advantage plan. All Medicare Advantage plans must…

I received a notice that my Medicare plan is not being offered next year.

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What do I need to do? If you received a notice from your insurance company that the plan you are enrolled in is not being offered next year, you will be given options to switch to a new plan. If you are enrolled in a Medicare Advantage or Part…

Can immigrants enroll in Medicare?

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Those that are new immigrants to the United States are not eligible for Medicare. Only residents of the United States (citizens, permanent residents) are eligible for Medicare. If an immigrant is a permanent resident for five years and has continuously…

I didn’t sign up for Part B Medicare when I first became eligible, but want to now. Is that possible?

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If you didn’t enroll in Medicare during your initial open enrollment period when you first turn 65 or become eligible for Medicare, there is an annual General Enrollment Period. The General Enrollment Period runs from January 1st through March…

If I like the coverage I have under the original Medicare, do I need to make a change?

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The short answer is no. If you like Original Medicare, you don't have to make any changes. However, it would be wise to talk to an independent agent who is an expert in Medicare to ensure that original Medicare is the most appropriate choice…

Do I have to get a Part D (Rx coverage) Medicare plan?

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You are not required to enroll in a Part D prescription drug plan; however, you will not have coverage for most prescription drugs if you don't. If you don't enroll in a Part D plan when you first become Medicare eligible, you will also incur…

How often can I change Medicare plans?

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The answer to this question depends on the type of Medicare plan you are enrolled in. There are three different scenarios based on the type of Medicare plan you select. Original Medicare Part A & Part B Outside of your initial open enrollment…

What's included under "durable medical equipment" from Medicare?

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Medicare Part B covers medically necessary durable medical equipment (DME) if your doctor prescribes it for use in your home. DME that Medicare covers includes, but isn't limited to: -Blood sugar monitors -Blood sugar test strips -Canes -Commode…

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