What is Medicare?

Medicare is the federal health insurance program for:

  • People ages 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

There are two main ways to get your Medicare coverage—Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Part A provides hospital coverage and Part B provides coverage for outpatient services needed to diagnose a condition or prevent illness.

Medicare Advantage (Part C) plans provide Part A and Part B with additional benefits not typically covered such as an annual physical, vision, dental and out-of-the-country coverage. Medicare Advantage plans can be a more cost effective option than purchasing each part of Medicare separately, and often include prescription coverage (Part D).

Some people buy Medicare Supplement Plans (Medigap) to help pay some of the costs that Medicare does not cover.

Dual Special Needs Plans

Medicare-eligible patients who receive state Medicaid benefits may be eligible for a Dual Special Needs Plan, or DSNP. A DSNP is a specialized type of Medicare Advantage plan that offers enhanced benefits by combining those available through Medicare and Medicaid. Patients can enroll in DSNP anytime. Visit the Centers for Medicare & Medicaid Services website for more information or speak with a licensed agent at Connexion Insurance Solutions to learn about available plans at The Polyclinic.

Transitioning to Medicare After Age 65

Whether you are self-insured or on your (or your spouse’s) employer-sponsored insurance, planning for Medicare while still working can be complicated. We offer a free educational class several times throughout the year to help you prepare. Learn more about when to enroll, COBRA and retiree insurance, HSA plans, and prescription drug coverage. You don't have to be a Polyclinic patient to attend, and friends and family are welcome.

View the schedule and register for an upcoming class.

Enrollment Periods

If you’re turning 65: You have seven months to enroll: your birthday month and three months prior and after; and during Medicare Annual Enrollment Period (October 15-December 7 annually).

If you’re over 65: You can enroll in a Medicare Advantage plan during Medicare Annual Enrollment Period (October 15 – December 7), or if you qualify, during a special enrollment period (SEP).

Medicare plans change each year and so do your health needs. It’s important to evaluate your plan each year to make sure it’s still a good fit. October 15 – December 7 is your annual window to make a change. During this time The Polyclinic provides several resources to help you enroll, including onsite help desks, a dedicated Medicare Advocate, educational classes, and enrollment events.

Licensed agents at Connexion Insurance Solutions provide unbiased assistance to help you compare and choose plans. Call 1-877-217-3279 or email maquestions@connexioninsurance.com.

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