Annual Enrollment Period begins Oct 15th
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People 65 or older. You may also be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
If you have been receiving Social Security benefits for at least 4 month prior to your 65th Birthday
If you have not been receiving Social Security benefits for at least 4 months prior to your 65th Birthday, you will need to sign up for Medicare through Social Security (ssa.gov). About two weeks after applying through Social Security you should receive your welcome Packet with your Medicare Card.
For more information on Medicare, go to www.Medicare.gov. Additional Medicare sign up options are available here.
Medigap policies are offered by private health insurance companies to help cover your share of out-of-pocket costs with Original Medicare.
All Medigap policies are standardized. This means, policies with the same letter offer the same basic benefits no matter where you live or which insurance company you buy the policy from.
There are 10 different types of Medigap plans offered in most states, which are named by letters: A-D, F, G, and K-N. Price is the only difference between plans with the same letter that are sold by different insurance companies.
Medicare Part D is a voluntary prescription drug benefit program for people with Medicare that helps cover the cost of most outpatient prescription drugs, including brand-name and generic drugs, as well as many recommended vaccines and shots.
You may have to pay a late enrollment penalty if at any time after your Initial Enrollment Period is over, there's a period of 63 or more days in a row when you don't have Medicare drug coverage or other creditable prescription drug coverage. You’ll generally have to pay the penalty for as long as you have Medicare drug coverage.
Medicare calculates the penalty by multiplying 1% of the "national base beneficiary premium" ($34.70 in 2024) times the number of full, uncovered months you didn't have Part D or creditable coverage. The monthly penalty is rounded to the nearest $.10 and added to your monthly Part D premium.
If you have Part A and Part B, you can join a Medicare Advantage Plan, sometimes called “Part C” or an “MA plan.” This type of Medicare health plan is offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D).
Many Medicare Advantage Plans have a $0 monthly premium, and offer extra benefits not available under Original Medicare such as vision, dental, and more.
West Florida Health & Life Insurance PL is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.”
“The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex.”
"West Florida Health & Life Insurance PL Lic# L077254 , is a licensed insurance agency that works with Medicare enrollees to explain Medicare Advantage, Medicare Supplement and Prescription Drug Plan options.
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Agency Lic # L077254